Producers face a tough balancing act: minimizing risk while maximizing revenue, all within the unpredictable world of agriculture. At Loman-Ray Insurance Group, our agents bring innovative tools and expertise that empower growers to navigate these challenges more effectively.
Here’s how we’re transforming crop risk management to help you secure your bottom line while staying flexible for the future:
1. Secure Revenue Floors Without Sacrificing Upside Potential
Our cutting-edge solutions allow you to set minimum price, revenue, or margin floors when the market offers opportunities you don’t want to miss. Even better, these strategies keep your upside potential intact—so you can benefit from rising markets while having a safety net in place now.
2. Retroactive Price Protection
Imagine being able to lock in a floor price from two trading sessions ago—even if the market has since dropped. With our unique tools, you can take advantage of a two-day look-back window on prices. It’s a level of flexibility no other solution offers.
3. Adjust Your Strategy in Real Time
Markets can be unpredictable, but you’re not stuck with a static plan. Our strategies enable you to raise your price floor if the market rallies, giving you the ability to adapt and optimize your revenue strategy.
4. Protect 95% of Potential Acres—Without Locking Yourself In
Flexibility is critical, especially when it comes to planting decisions. With our programs, you can protect up to 95% of the acres you might plant, but you’re not obligated to plant or deliver any specific amount. Plus, premiums are only paid on what you plant—and only after harvest.
5. Retain Complete Crop Rotation Flexibility
You can earn the carry and basis improvement to any delivery point while maintaining complete flexibility with your crop rotation. This ensures you’re not tied down by rigid contracts or limited options.
6. Lower Costs, Fewer Obligations
Our solutions deliver price risk management at less than half the cost of typical offerings from grain dealers or brokers. Additionally, there are no delivery obligations or cash flow stresses, making this approach ideal for today’s producers.
At Loman-Ray Insurance Group, we’re committed to helping you thrive in an ever-changing agricultural landscape. Contact an agent today to learn how you can take advantage of these revolutionary tools and strategies.
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.
