Farm & Ranch
Coverage for the way you actually run your operation.
Rainfall protection for hay and grazing land. Price protection for cattle and hogs. Independent guidance from an Oklahoma agency, and a real adviser you can call.
Start with what you run
Pick the one that sounds most like your operation. Each path shows what it covers and where to go next.
Cattle and grazing operations
You depend on grass, and you sell into a market you cannot control. PRF protects against a rainfall shortfall on your grazing land. LRP protects against a drop in cattle prices.
Hay producers
A dry season shrinks the hay you cut. PRF is built for hay and grazing land. It uses a rainfall index for your area, so you do not have to prove a loss.
Growing crops?
Crop insurance is a separate federal program from PRF, and the rules depend on your crop and your county. Tell Les what you grow and he will walk you through what applies to your acres.
Farm and ranch businesses
The business side of the operation needs a review too. Look at your general liability and workers’ compensation coverage the same way you look at the rest.
How PRF works, in plain English
Pasture, Rangeland & Forage insurance protects hay and grazing land against a lack of rainfall.
It pays on rainfall, not proof of loss
PRF uses a rainfall index for your specific area. You do not have to prove an actual loss on your grass.
You choose your grid and your intervals
We help you pick index grid locations and coverage intervals that line up with your growing season and your grazing calendar.
USDA helps pay for it
USDA RMA subsidizes PRF premiums, which lowers what you pay.
One thing to know before you buy
Because PRF pays on the rainfall index for your grid, it can pay when your own pasture did fine, and it may not pay when it was dry on your place. That gap is why the grid and the intervals you pick matter, and why this is worth a real conversation before you sign up.
How LRP works
Livestock Risk Protection insures against a drop in the market price of your cattle or hogs between now and when you plan to sell. It does not require an actual loss on the animals.
It is price protection only. It is not coverage for death or disease loss. We help you set coverage levels and endorsement lengths that match your marketing plan, so a bad price swing does not wipe out a season of work.
Questions we hear from producers
Short answers. Les will go deeper on your operation.
Do I have to prove a loss with PRF?
No. PRF pays based on a rainfall index for your grid, not on proof that your grass or hay was lost.
Can PRF pay if my pasture did fine?
It can. The index measures rainfall for your grid, not conditions on your specific acres, so payments and your actual results do not always line up. That is why we pick grids and intervals with you instead of using a default.
What does LRP cover?
A drop in the market price of your cattle or hogs between now and when you plan to sell. It is price protection, not coverage for death or disease loss.
When do I need to sign up?
Federal programs have sales deadlines each year, and the dates differ by program. Call us and we will give you the current dates before you plan around them.
Who will I be talking to?
Les McGee, the founder of GoToBenefit, an independent agency in Stillwater. You call, you get Les.
Where we work
We work with producers across central Oklahoma, including Stillwater, Perry, Perkins, Ponca City and Enid.
Ready to see what this looks like for your operation?
Get a Free ConsultationGoToBenefit is an independent insurance agency. Program rules, eligibility, subsidies and deadlines are set by USDA RMA and approved insurance providers and can change. Nothing on this page is a quote or a promise of payment.
