Whole Farm Revenue Protection (WFRP) and Micro Farm

Whole Farm Revenue Protection (WFRP) and Micro Farm

WFRP provides a risk management safety net for all commodities on the farm under one insurance policy. This insurance plan is tailored for any farm with up to $17 million in insured revenue, including farms with specialty or organic commodities (crops and livestock) or those marketing to local, regional, farm-identity preserved, specialty, or direct markets.

Coverage Level
Maximum Farm
Approved Revenue
90
$18,888,888
85
$20,000,000
80
$21,250,000
75
$22,666,667
70
$24,285,714
65
$26,153,846
60
$28,333,333
55
$30,909,091
50
$34,000,000


Like WFRP, Micro Farm provides the same protection on a smaller scale. Micro Farm is tailored for any farm with up to $350,000 in approved revenue or $400,000 for carryover insureds.

WFRP and Micro Farm insurance provide coverage against the loss of revenue that your insured expects to earn or will obtain from commodities they produce or purchase for resale during the insurance period under one insurance policy.

Availability and Important Dates

WFRP and Micro Farm are available in all 50 states. 

Important Dates*

Important Dates for WFRP and Micro Farm
Filer Type
WFRP
Micro Farm
Sales Closing Dates,
Cancellation Dates,
and Termination Dates
Calendar and Early
Fiscal Year
Late Fiscal Year
January 31, February 28,
March 15 (by county)
November 20
February 28, March 15,
April 15 (by county)
November 20
Revised Farm
Operation Report Date
All Filers
July 15
July 15
Contract Change Date
All Filers
August 31
August 31

*Talk to your NAU Country Marketing Representative or Agent about the specific dates that apply to your county.

WFRP subsidy factor through diversification

The subsidy factor for WFRP makes it a very affordable policy. The amount of the subsidy factor is based on the commodity count calculation indicating the amount of farm-level diversification of revenue had by a farming operation.

Subsidy Factor
Coverage Level
0.50
0.55
0.60
0.65
0.70
0.75
0.80
0.85
0.90
One Qualifying Commodity
0.80
0.80
0.80
0.80
0.80
0.80
0.71
0.56
0.56
Two or more Qualifying
Commodities
0.80
0.80
0.80
0.80
0.80
0.80
0.71
0.56
0.56


Whole Farm level premium subsidy and diversification discounts if the insured qualifies with two (2) or more commodities. Farms with one qualifying commodity will receive the enterprise unit level premium subsidy. Micro Farm automatically qualifies for the Whole Farm subsidy.

What information is needed?

  • Five years of historic farm tax records, and expected revenue worksheets for each year, except:
    • Micro Farm, and Veteran or Beginning Farmer or Rancher qualified insureds may qualify with fewer years.
    • If unable to physically farm one of the required five (5) historic years, but was farming the past year, the insured will need the four (4) years of tax records that they have. They must have earned farm revenue for the last year (the year previous to the insurance year).
    • Tax-exempt entities will need acceptable third-party records that can be used to complete Substitute Schedule F tax forms for the history period.
  • An Expected Value and Yield Documentation Certification Worksheet. Part 3 must be completed for Micro Farm policies.
  • A Farm Operation report for the year to indicate what commodities are planned to be produced, the expected quantity, and the expected revenue for each commodity. Some of the historical records may be needed to assist with determining expected yields and prices. If organic commodities are raised, an organic certificate will be needed, and we may need to consult their organic plan.
  • MPCI Average Yields and summaries of coverage for any individual insurance policies that have been purchased.
  • A Yield and Revenue Report certifying acreage and production for the most recent four (4) to ten (10) years (if available) to determine the expected yield for any WFRP commodity without underlying MPCI, plus verifiable records if requested by NAU Country.
    • Three (3) to five (5) years of acre and revenue history for Micro Farms.
  • Farm marketing records are acceptable records for direct market commodities.
  • Beginning Inventory and Accounts Receivable Reports.
  • Market Animal and Nursery/Accounting Worksheet (if applicable).
  • A Pre-acceptance Worksheet for perennial commodities.

NAU Country has made dedicated efforts in all facets of our team to become the Whole Farm Revenue Protection and Micro Farm experts, providing you with the most knowledgeable staff in the industry. We have implemented a structure to ensure there are specialized staff members in the fields of Underwriting, Marketing, Compliance, and Claims, so the American farmer can rest easy knowing they are in the best hands.

Summary of changes for 2027

  • Please note that there are no changes to the Micro Farm Policy for 2027.
  • There are minor changes to the 2027 WFRP Policy and Handbook, mainly regarding hemp and arbitration language.

  • 2027 WFRP Policy Changes:
    • •
    Section 1 –
    ○
    Added a definition of the Federal Arbitration Act;
    ○
    Changed the definition of “industrial hemp” to “hemp” and replaced reference to “delta-9” with “total”;
    ○
    In the definition of “short tax year,” added “For example” to indicate it is not an exhaustive list of conditions that can cause a short tax year;
    •
    Section 4 – Updated the section title to match other basic provisions;
    •
    Section 16 – In paragraph (b)(4)(ii), updated reference;
    •
    Section 33 –
    ○
    Reorganized and labeled paragraphs to follow chronological escalation of a dispute;
    ○
    Aligned policy language with Regulatory Overreach and Federal Crop Insurance Policy Provisions (91 FR 16151);
    ○
    Corrected deadline for filing for judicial review to align with Federal Arbitration Act;
    •
    Section 38 – In paragraph 38(c)(1), corrected the maximum civil fine to align with 7 CFR 400, subpart R;
    •
    Section 50 – Throughout, replaced references to “industrial hemp” with “hemp” and “delta-9” with “total”;
    •
    Throughout –
    ○
    Clarified for plain language (for example, replaced “therein” and “in excess of” with plain language where appropriate); and
    ○
    Updated references where appropriate.

  • 2027 WFRP Handbook Changes:
    • Reference
    Description of Change
    Throughout
    Updated to meet the new External Handbooks Standards; including renumbering where applicable, updating references, and several editorial edits.
    Throughout
    Removed the term “industrial” when referencing Hemp and added the term “total” when referencing THC.
    Removed language about WFRP not being codified.
    Added language making the procedure applicable to commodities destroyed prior to reaching maturity. Moved language that was item (vi) to item (iii) for clarity and renumbered appropriately.
    Revised the definition of “Industrial Hemp” to “Hemp” and replaced “delta-9” with “total.” Revised definition of “Person” by replacing “thereof” with “of the United States Government.” Revised the definition of “Short Tax Year,” adding “For example” to indicate it is not an exhaustive list of conditions that can cause a short tax year.
    Added language to make procedure applicable to commodities purchased to replace an intended commodity lost due to insured COL.

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