Supplemental Coverage Option in Illinois
A county-level crop insurance endorsement for Illinois farmers that covers the gap between your individual MPCI coverage level and 86% of expected county revenue. The Supplemental Coverage Option provides affordable, federally subsidized protection on top of your existing policy.
Why Illinois Farmers Need Supplemental Coverage Option
Most Illinois 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 fills that gap by providing county-level coverage from your chosen MPCI level up to 86% of expected Illinois county revenue.
The Supplemental Coverage Option is triggered when the entire Illinois county experiences a revenue loss, not just your individual farm. Because it is based on county-wide data, it carries a 65% federal premium subsidy, making it one of the most affordable ways to increase your total Illinois crop insurance protection. Brawner Insurance is based in northeast Missouri, serving Illinois farmers across the border and helps Illinois farmers determine whether adding the Supplemental Coverage Option makes financial sense.
Close the coverage gap on your Illinois farm.
The Supplemental Coverage Option fills the space between your individual MPCI level and 86% of county revenue. Ask us if it is available for your Illinois crop and county.
Get a Free Illinois Quote →660-665-1687 · 660-754-1000
How the Supplemental Coverage Option Works in Illinois
The Supplemental Coverage Option is a county-level endorsement that layers on top of your individual Illinois MPCI policy. Here is how it works.
County Revenue Basis
The Supplemental Coverage Option is triggered by Illinois county-wide revenue losses, not individual farm losses. When your Illinois county experiences a revenue shortfall, coverage pays regardless of your individual farm results.
Coverage Gap
If you carry 75% Revenue Protection in Illinois, the Supplemental Coverage Option covers the band from 75% to 86% of expected county revenue. The higher your individual MPCI coverage, the smaller your supplemental coverage band and the lower your premium.
Trigger Mechanism
The Supplemental Coverage Option triggers when Illinois county expected revenue falls below 86%. The indemnity is based on the percentage loss within the coverage band, applied to your liability. No individual farm loss is required.
65% Premium Subsidy
The federal government subsidizes 65% of Illinois Supplemental Coverage Option premiums, making it highly affordable relative to the additional coverage it provides for your Illinois operation.
Stacks with MPCI
The Supplemental Coverage Option works alongside your existing Illinois 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 customize your Illinois supplemental coverage.
Supplemental Coverage Option availability and pricing vary by Illinois crop and county. We run the numbers for your specific situation.
Talk to an Agent →Who Needs Supplemental Coverage Option in Illinois?
The Supplemental Coverage Option is ideal for Illinois farmers who want more coverage without switching to a higher individual MPCI level.
75-80% Illinois MPCI Holders
Fill the gap up to 86% with county protection
Cost-Conscious Illinois Farmers
65% subsidy makes it very affordable
High-Risk Illinois Counties
PLC enrollment required for supplemental coverage
PLC-Enrolled Illinois Acres
Supplemental coverage only available on PLC acres
Not sure if the Supplemental Coverage Option makes financial sense in Illinois?
We run the numbers for your specific Illinois crop, county, and MPCI coverage level to show you exactly what it costs and protects.
Talk to an Agent →660-665-1687 · 660-754-1000
How to Get Supplemental Coverage Option in Illinois
Adding the Supplemental Coverage Option in Illinois is simple since it is an endorsement to your existing MPCI policy.
1. Contact Brawner
Call anytime during growing season
2. Review Coverage Band
Select dollars-per-acre and add-ons
3. Add Endorsement
Coverage starts immediately in MO
4. County Protected
Adjusters inspect and pay within days