Whole-Farm Revenue Protection (WFRP)
Most crop insurance covers one crop at a time. WFRP covers your entire operation's revenue under a single policy — every crop, every livestock sale, every agricultural product. If you run a diversified farm, this might be the most important insurance product you've never heard of.
Who This Is For
Diversified farms growing multiple crops. Specialty crop operations where individual policies are unavailable. Direct-market farms selling at farmers' markets or through CSAs. Organic operations — WFRP covers organic price premiums. Value-added operations (jams, cheeses, dried herbs).
Not a good fit for: Single-commodity operations. If you grow one or two standard crops, individual Revenue Protection or PRF is usually better.
How It Works
WFRP insures your whole farm's expected revenue based on your tax records (Schedule F). If actual revenue falls below the insured level — for any reason — the policy pays. Weather, market collapse, pest damage, equipment failure, losing a buyer.
Coverage levels: 50% to 85% of expected revenue
Maximum insured: $17 million
Premium subsidy: 55% at 75% coverage
Diversification discount: More commodities = lower premium rate
What You Need to Apply
1. 5 years of Schedule F tax records
2. Farm plan with projected revenue by commodity
3. Verifiable records of all farm income sources
4. An agent who writes WFRP (not all do — ask specifically)
Sales closing: typically January 31 or March 15. Start early — WFRP applications take longer than standard policies.
The Organic Advantage
Standard crop insurance insures at conventional prices. WFRP insures your actual revenue from tax records — so organic premiums are automatically built in.
What to Say When You Talk to Your Agent
“I run a diversified operation with [describe]. I'd like to explore WFRP. I have five years of Schedule F records. Can you show me what coverage at 75% or 80% would cost?”
Last updated: March 2026. Verify current WFRP details with your crop insurance agent or at rma.usda.gov.