Enterprise units save you 15–20% on premium but average all your fields together. Optional units cost more but pay when even one field gets hit. Enter your fields and see the actual trade-off.
This is one of the most consequential — and least discussed — decisions in crop insurance.
Last updated: March 2026. Premium discount percentages are approximate averages. Actual enterprise unit discounts vary by county, crop, and coverage level. Always confirm with your crop insurance agent. rma.usda.gov