The Enhanced Coverage Option (ECO) is an area-based endorsement that provides additional coverage for a portion of the deductible on an underlying crop insurance policy. It must be added to one of the following policies: Yield Protection, Revenue Protection, Revenue Protection with Harvest Price Exclusion, Actual Production History, or Yield-Based Dollar Amount of Insurance.
ECO allows the selection of a 95% or 90% trigger level. The trigger refers to the percentage of expected yield or revenue at which an indemnity becomes payable.

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Enhanced Coverage Option (ECO) follows the coverage of your underlying crop insurance. It follows the type of policy you already have:
ECO doesn’t look at your individual production. It triggers based on how your county performs. If the county yields or revenue falls below a certain point, you may get an indemnity.
You can choose a trigger level of 90% or 95%, and ECO provides a band of coverage between the elected trigger level and 86%. If the county yield or revenue is reduced beyond the trigger level, you may receive an ECO indemnity. If the reduction in yield or revenue exceeds the 86% threshold, you may receive an indemnity equal to the full insured liability.
Most major crops qualify, but eligibility can vary by county. Our experts can help confirm what’s available for your operation.
Yes. For the 2026 crop year, the USDA will subsidize ECO at 80%, making it more affordable than it sounds for the amount of coverage it adds.
It’s county-based. If the average yield or revenue for your county falls below the trigger level, ECO could trigger an indemnity, even if your personal field yields didn’t.
ECO provides up to 9% more coverage on top of your base—filling the gap between 86% and 95% of expected revenue or yield.
ECO must be added to one of the following policies: Yield Protection, Revenue Protection, Revenue Protection with Harvest Price Exclusion, Actual Production History, or Yield-Based Dollar Amount of Insurance.
See a quick estimate of what is available for your operation.
Our team knows the challenges you face—weather, markets, and everything in between. We’ll help you find coverage that fits your operation, from crop insurance to full agri-business solutions.
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Fill out the form and connect with a Peachey Insurance expert today or give us a call, you can reach us at 620-672-3366.
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