Supplemental Coverage Option (SCO)
A county-level crop insurance add-on that covers the gap between your individual MPCI coverage level and 86% of expected county revenue. SCO provides an additional layer of federally subsidized protection on top of your existing policy.
Why the Supplemental Coverage Option Is Worth Adding
Most farmers choose MPCI coverage levels between 70% and 80% — leaving a significant gap between their individual protection and the maximum possible coverage. The Supplemental Coverage Option (SCO) fills that gap by providing county-level coverage from your chosen MPCI level up to 86% of expected county revenue.
SCO is triggered when the entire county experiences a revenue loss, not just your individual farm. Because it is based on county-wide data, SCO carries a 65% federal premium subsidy, making it one of the most affordable ways to increase your total crop insurance protection. Brawner Insurance helps farmers across Missouri, Iowa, Kansas, and Illinois determine whether adding SCO makes financial sense for their operation.
SCO is one of the smartest ways to increase your total crop protection without dramatically increasing your premium. We help you decide if stacking SCO on your MPCI makes sense.
Talk to a Crop Insurance Agent →Close the coverage gap on your farm.
SCO fills the space between your individual MPCI level and 86% county revenue. Ask us if it is available for your crop and county.
Get a Free Quote →660-665-1687 · 660-754-1000
How the Supplemental Coverage Option Works
SCO is a county-level endorsement that layers on top of your individual MPCI policy. Here are the key components.
County Revenue Basis
SCO is triggered by county-wide revenue losses, not individual farm losses. When the county as a whole experiences a revenue shortfall, SCO pays regardless of your individual farm results.
Fills the Coverage Gap
If you carry 75% RP, SCO covers the band from 75% to 86% of expected county revenue. The higher your individual MPCI coverage, the smaller your SCO band and the lower your SCO premium.
Trigger Mechanism
SCO triggers when county expected revenue falls below 86%. The indemnity is based on the percentage loss within the SCO band, applied to your liability. No individual farm loss is required.
65% Premium Subsidy
The federal government subsidizes 65% of SCO premiums, making it highly affordable relative to the additional coverage it provides. Your actual cost depends on your crop, county, and underlying MPCI coverage level.
Stacks with MPCI
SCO is designed to work alongside your existing Revenue Protection or Yield Protection policy. It cannot be purchased standalone. The combination gives you individual plus county-level protection in one package.
Let us check if SCO is right for your farm.
SCO availability and pricing vary by crop and county. We run the numbers for your specific situation.
Talk to an Agent →Not sure if SCO makes financial sense?
We run the numbers for your specific crop, county, and MPCI coverage level to show you exactly what SCO costs and what it protects.
Talk to an Agent →660-665-1687 · 660-754-1000
SCO Coverage by State
SCO availability varies by crop and county. We help farmers across four Midwest states determine eligibility.
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