In this issue...
Crop Sense
January 2023
Valued Agencies, Business Partners and Friends, Happy New Year! Often times a new year is indicative of a new beginning, a fresh start or resolution for improvement. While those concepts are exciting and inspiring, the truth is...innovation and improvement are already woven into our very foundation and core strategies here at Hudson Crop. Therefore, while 2022 may inevitably yield a variety of new products, services, strategies and ideas, our “resolution,” if you will, is unchanging – no fresh start necessary. We are dedicated to staying true to our core values by operating with efficiency, creativity and fiscal responsibility while providing our customers with superior customer service, improved efficiencies and accuracy through the continuous development of technology, procedures and training. Integrity and honesty are a top priority and non-negotiable in our unique culture. We are humans and mistakes happen, but it’s how we make corrections and plans to avoid them in the future that preserves our strength as an organization. We will maintain our strong underwriting discipline and diversified footprint of business, with the objective of withstanding any one...
Read more...
In the summer of 2014, Hudson Crop employees gathered to review and update the company’s Vision and Mission. The conclusion of that exercise has not only provided all employees a clear picture of what we want to accomplish as a Company, but has also become an integral part of our culture. First, employees agreed that our vision is “to be the most trusted agricultural risk management partner” with a mission “to be the leading crop insurance provider for agents and agricultural producers by offering the most innovative portfolio of private products and technologies, by delivering outstanding customer service and support and by creating long-term profitability for ourselves and our risk management colleagues.” The vision and mission defined several years ago has become a daily reminder of the purpose and responsibility that each Hudson Crop employee has in their roles as we continue to service our agents and farming communities across the United States. The summer of 2014 set the foundation for the largest growth in the Company’s history this year, as well as the ninth consecutive year a profit share was paid to qualifying agencies. With growth, more responsibilities and increased...
President - Hudson Crop Insurance Services, Inc.
Dan Gasser
Vice President - Director of Operations
Andre Virgilio
with a fresh perspective, sweet, new goals to accomplish and a golden team.
Buzzing into a New Year
CROP SENSE
Legal and RMA Statements
Tools & Tech
true to our core
What would you like to read about in the next edition of Crop Sense? Tap/click on a Communications team member’s name to submit your suggestions!
Lexi Schroeder Sr. Marketing Comm. Specialist Courtney Coombs Marketing Comm. Specialist
Hudson Crop | (866) 450-1445 | HudsonCrop.com
LIVESTOCK
marketing
Valued Agencies, Business Partners and Friends, 2022 was a milestone year for Hudson Crop as we surpassed $1 billion in premium, experienced our largest net growth and realized a 26% increase in premium volume across all product lines. This growth was driven by strategic areas in the upper Midwest, including Indiana, Illinois, Minnesota, Wisconsin and the Dakotas. Renewal and transfer-in policy numbers continue to demonstrate our commitment to be the leading crop insurance provider for you and your producers. Particularly noteworthy is the development and expansion of our livestock business over the past few years, which has expanded over 200% from the prior year. 2022 was not without its industry challenges, as three significant CAT events occurred during this reinsurance period. Significant, ongoing drought in the Southwest and across Texas, as well as two named hurricanes...
A Letter from Dan
Agency Services
Processing Support
COMMUNICATIONS
PRIVATE PRODUCTS
Moving business is one of the toughest tasks an agent faces during an already tasking sales season. We make transferring business easy. Our Policy Underwriting Department will provide its internal and external customers with differentiated services and results through accurate and timely policy processing of new business. We start by pairing the right CIS with every agency. Our approach to CIS assignment is highly methodical and never taken lightly. Variables such as personality, crop/plan type and geography are taken into consideration when conducting this important agency onboarding process...
Transfer Process and Services Available
Hudson Crop strives to provide superior customer service and ensure our partnering agents have everything needed to grow. We understand that RMA and State requirements can be confusing, so our Agency Services Department is here to assist you. As part of our customer service, we not only provide the RMA-required training but also file for State Continuing Education (CE) credits for many courses. These State CE credits apply to the required hours for the renewal of your State license. Below are some of the trainings in which you may participate to receive both RMA and State CE hours: • Ethics – 3 • Spring Updates – 3 • Fall Updates – 3
2023 Training at a Glance – Over 29 Training Hours Available!
Introducing an all NEW Department
Lisa Loe
We are currently conducting the 2022 Agent Scorecard Surveys and are very excited about the reponses we have been receiving! Take a peak at how we rated last year in comparison to this year's stellar, projected scores! Have you made your voice heard yet? There's still time and we want to hear from you!
Communications
Some of the most exciting updates during the last quarter include: • Changes to the Policy Estimate Display and Printout • Batch Printing Generates Plan Code on Policy as Default • Integration of a HIP-WI Percent Comparison Report to Print • Implementation of Changes for the Quick Whole Farm Estimate • Updates to the PRF Quoting Tool Screen and Printout • Incorporate ECO/SCO Decision Tool into Quoting Platform Changes to the Policy Estimate Display and Printout For MPCI agencies, the full policy estimate has undergone significant changes over the past few months to provide a cleaner look at producer premium and estimated indemnities both on screen and in print. Where to Find It – Under the Estimator menu, Policy Estimates. Also, once in a grower policy, Estimate tab.
TOOLS & Tech
Quoting Improvements
With the new year come new goals, new opportunities and new programs! We are excited to introduce MySCO and MyECO in February 2023. The MyECO and MySCO policies are private crop insurance programs offered by Hudson Insurance Company that are independent of the Risk Management Agency of Federal Crop Insurance Corporation. These programs will provide insureds with high levels of individual coverage either at 90% or 95% for MyECO and up to 86% on MySCO. In order to qualify for My ECO or MySCO, the insured must have a MPCI policy written as YP or RP at a 75% coverage level or higher with the ECO or SCO endorsement. Both will be an optional unit basis, regardless of the underlying MPCI unit structure.
Private Products
2022 Agent Scorecard
MyECO & MySCO
The use of precision technology has tremendous benefits to improving crop insurance reporting and lowering premium. As studies show, it can have other positive outcomes including better economic returns for growers and reduced impact on the growers’ land. This is especially beneficial as carbon programs become more common in the crop marketplace and growers are introduced to plans in which increasing cover crops and reducing tillage practices reward growers for their hard work. Hudson Crop specializes in helping growers use their data collected during planting and harvest for crop insurance reporting purposes...
Technology Trends in Crop Insurance: Marketing Precision Technology and Carbon Initiatives to Your Agent and Producer
Marketing
2023 Training at a Glance
Customer Service We are halfway through the 2023 Reinsurance year, and we have been and are still experiencing unimagined growth in Hudson’s Livestock portfolio. We are excited and proud to be an AIP of choice for many agents and producers as a partner that supports the livestock programs but also has dedicated teams that are knowledgeable and understand the many intricacies of the different Livestock policies currently offered. Reflecting on 2022 we are proud of the partnerships we have created and grown throughout the year and would like to take a moment and thank each of them for their collaboration & support. Technology You have seen several modifications to the workflow and documents coming out of eHarvest, expect to continue...
Why Choose Hudson Crop Livestock as your AIP?
Hudson Crop exists and operates to provide its business partners and associates with sustainable growth and profitability by operating with efficiency, creativity, and fiscal responsibility while providing our customers, the agent, with superior customer service, improved efficiencies and accuracy through the continuous development of technology, procedures and training.
OUR CORE STRATEGIES
To be the leading crop insurance provider for agents and agricultural producers by offering the most innovative portfolio of private products and technologies, by delivering outstanding customer service and support and by creating long-term profitability for ourselves and our risk management colleagues.
OUR MISSION
To be the most trusted agricultural risk management partner.
OUR VISION
A Letter from our President
Valued Agencies, Business Partners and Friends, 2022 was a milestone year for Hudson Crop as we surpassed $1 billion in premium, experienced our largest net growth and realized a 26% increase in premium volume across all product lines. This growth was driven by strategic areas in the upper Midwest, including Indiana, Illinois, Minnesota, Wisconsin and the Dakotas. Renewal and transfer-in policy numbers continue to demonstrate our commitment to be the leading crop insurance provider for you and your producers. Particularly noteworthy is the development and expansion of our livestock business over the past few years, which has expanded over 200% from the prior year. 2022 was not without its industry challenges, as three significant CAT events occurred during this reinsurance period. Significant, ongoing drought in the Southwest and across Texas, as well as two named hurricanes hitting mainland Florida, triggered losses for policyholders in these areas. As always, we were successful in managing both events by having proactive catastrophic plans in place, including an experienced workforce to service the claims and excellent processes to ensure accurate and timely payments. Moving into 2023, we will continue growing our business, creating a balanced portfolio by reducing exposure in highly concentrated areas and positioning ourselves to consistently achieve an underwriting gain. Strategic partnerships in the Midwest, Corn Belt, Northeast and California ensure we have a diversified footprint. Heading into the winter and spring seasons, our teams will continually evolve and create innovative ways to automate the most complex of reporting requirements. Technological development is driven by a formal process that supports Hudson’s agent-focused approach to business. Hudson actively meets with agents to understand gaps, gather requirements and transform ideas into results. Some of our most recent implementations include a robust set of notifications designed to keep agents updated and engaged with ongoing claims and policy level changes, a smart map-based wizard developed to facilitate accurate acreage reporting at the CLU level, and the ability for producers to fulfill their premium obligations electronically. As always, thank you for placing your trust in Hudson. We look forward to servicing your business well into the future. Dan Gasser President - Hudson Crop Insurance Services, Inc.
The Adjuster is a vital piece of the claims equation. Our expectations for accountability, knowledge, diligence, good communication and customer service are very high. We also provide all of our field staff with a high level of support through excellent training and supervision. Perhaps one of our most impressive stats is our turnover rate. In the past five years, we have lost one adjuster to a competing Approved Insurance Provider (AIP) – just one! In today’s world, that is extremely impressive and virtually unheard of. This tells us that Hudson is not only the AIP/employer of choice, but that our staff is loyal, motivated and takes pride in the work they do. I will wrap this up by sharing some of the agent feedback received from in the past year (names redacted): • “The Claim Supervisor is available 24/7 and is always very helpful or can get my question answered right away.” • “I have complete respect and trust for the Claim Adjusters in my area. They are very thorough, great with the farmers and very knowledgeable.” • “I just trust Hudson more.” Going into 2022, we look to raise the bar even higher as our staff continues to grow. We are always seeking to enhance our technology to increase our efficiency both in the field and in the office. Know that as our business and staff increases, you can rest assured that we are intentional about maintaining this extraordinary culture.
National Claims Manager
Rob Young
Dan Gasser - President, Hudson Crop Insurance Services, Inc.
Department Goals:
REMINDERS:
As a team, we endeavor to make your crop insurance journey as smooth as possible. We commit to walk hand-in-hand with you to help ensure your training and licensing requirements are met with quick and accurate documentation. We aspire to be your crop insurance trainer of choice and make it a priority to meet as many of your training needs as we can, whether that be live, in-person trainings or various online avenues.
It is the responsibility of the agent to keep training, exams and licenses up-to-date and submit certificates and renewals in a timely manner. Expired exams or licenses or missing training hours could prevent policy processing or create policy suspensions. Please send a copy of all certificates and renewed licenses to AgencyServices@HudsonInsGroup.com All agents must submit an annual Conflict of Interest (COI) form and an annual Controlled Business form. These forms may be completed electronically within the eHarvest Processing System dashboard.
Customer Service We are halfway through the 2023 Reinsurance year, and we are still experiencing unimagined growth in Hudson’s Livestock portfolio. We are excited to be not only an AIP of choice for many agents and producers but also a partner that supports the Livestock programs with dedicated teams that are knowledgeable and understand the many intricacies of the different policies currently offered. We are proud of the partnerships we have created and grown throughout 2022 and thank each of you for your collaboration and support. Technology Although there have been several modifications to the workflow and documents coming out of eHarvest®, expect to see continued enhancements and process improvements as we work to make eHarvest the most efficient and user-friendly system in the industry! Coming soon: • Quote to endorsement for LRP & LGM • Streamlined keying and printing capabilities from the endorsement modals for efficiency and ease of doing business. • Policy Management Dashboard enhancements for adding new producers and new claim icons for printing claims documents and notifications. • DocuSign platform available for signing all your livestock forms – QCEs & SCEs in January; Livestock policy applications, Target Marketing forms in February.
MEET THE "NEW" TEAM
Justin has worked in Crop Insurance for about nine years, focusing for the last six years on the administration of the Livestock program. He graduated with a Bachelor of Science in Agriculture. His primary responsibility is to support our agents with Livestock program knowledge, including training, processes and procedures, systems and technology development, and supporting the different departments in servicing the livestock book of business.
Justin White | JWhite@HudsonInsGroup.com
Blaine has been with Hudson for more than two years. He was previously on the Hudson Crop Compliance Team and recently moved over to Livestock as a Livestock Specialist. He graduated with a degree in Agricultural Business and is eager to start servicing our fantastic Livestock agents!
Blaine Hanf | BHanf@HudsonInsGroup.com
Felicia has always had a passion for dairy. Prior to working at Hudson Crop, she worked on several large dairy farms as a herd manager and in crop insurance. She graduated with a Bachelor of Science in Large Animal Science and an MBA in Agricultural Business. She is looking forward to getting to know everyone and is eager to assist with any questions.
Felicia Andrews | FAndrews@HudsonInsGroup.com
Curt is a Lead Claims Processor at Hudson Crop and has been with the company for two years, primarily focusing on auditing and processing livestock claims. He has over 10 years of crop insurance experience in both MPCI and Livestock claims. He graduated with a degree in Business Administration and is looking forward to continuing to service our agents and insureds!
Curt Clanton | CClanton@HudsonInsGroup.com
Ronetta is the Livestock Underwriting Manager and has been working in the crop insurance industry for over 18 years.
Ronetta Rountree | RRountree@HudsonInsGroup.com
Karen has been in the crop insurance industry for over 30 years and has been with Hudson Crop since 2015. Throughout her career, she has held many roles involving everything from underwriting to billing and commissions to claims processing. Most recently she was a Livestock insurance specialist.
Karen Tanner | KTanner@HudsonInsGroup.com
Agency Services Manager
Justin White
Livestock Notifications (LRP & DRP) As the Livestock programs have grown, so have the needs of agents and producers to have the most current information when making risk management decisions. This includes emailing directly to producers Livestock quotes that include price information for each commodity as released from the RMA but premium costs before and after subsidy so that producers can make the best risk management decisions for their unique operations. Agents are able to access the Livestock Notifications through eHarvest where they can create and modify these notifications for an individual producer or a specific group. Each email is protected for privacy and permits efficiency in distributing these daily price offerings and Livestock information. Examples of the emails that producers could receive appear below. We look forward to offering text message quotes soon as well. DRP Daily Price Notifications
Livestock Specialists
Livestock Claims
Livestock Underwriting
Kodie grew up on a hobby farm with longhorn cattle and horses and graduated with a Bachelor of Science degree focused in Biology. She has a passion for agriculture and looks forward to serving the Hudson Crop team!
Kodie Ginder-Mill | KGinder-Mill@HudsonInsGroup.com
Policy Changes and Updates The industry saw a lot of positive changes for the 2023 crop year, starting with the migration from the RMA’s legacy eDAS processing system to the Policy Acceptance System (PAS) transmissions used by the rest of the Multi-Peril crop insurance industry. This transition didn’t come without its concerns and hiccups, but Hudson Crop met the challenge. We were able to continue to write business the last day of the 2022 Reinsurance Year and roll right into the 2023 RY on July 1 without any major impacts to agents and no break in operational continuity.
LRP Policy Changes for the 2023 Reinsurance Year • Increase head limits: Fed Cattle: 12,000 head per endorsement and 25,000 head per crop year. Feeder Cattle: 12,000 head per endorsement and 25,000 head per crop year. Swine: 70,000 head per endorsement and 750,000 head per crop year. • Allow an insured to have both an LRP and Livestock Gross Margin (LGM) policy; however, an insured may not insure the same class of livestock with the same end month or have the same insured livestock insured under multiple policies. • Modify the premium offset language to allow an insured the choice to receive indemnities without a reduction to offset premium on any endorsements that have not ended. • Clarify that head limits are tracked by substantial beneficial interest (SBI). • Extend the termination date from June 30 to August 31. • Require proof of ownership before indemnity is issued. • Clarify that livestock must be marketable by the end of the Supplemental Coverage Endorsement (SCE). • Require insurance companies to pay indemnities within 30 days. Previously, insurance companies had 60 days to pay indemnities following the receipt of the claim form. • Allow unborn swine coverage for operations with multiple entity structures. • Modify the endorsement length for swine to a minimum of 30 weeks for unborn swine and a maximum of 30 weeks for all other swine. RY 2023 DRP Policy Changes • Allow sales to be suspended during the sales period for situations in which market conditions adversely change after the fact. • Add flexibility to continue coverage when producers experience a disaster at their dairy operation. The insured can use the milk marketing records as of the date of the disaster to determine the milk produced for the rest of the insurance period or use prior milk marketing records if the disaster occurs prior to the start of the insurance period.
• Revise the policy to clarify that the termination date is June 30. Cancellation during a crop year to submit an application for another DRP policy with a different insurance provider within the same crop year is not allowed. • Clarify that an insured cannot have other livestock insurance on the same milk in the same quarterly insurance period. RY 2023 LGM Policy Changes • Expand LGM Cattle, Dairy and Swine coverage availability to all 50 states. • Allow an insured to have both an LRP and LGM policy; however, an insured may not insure the same class of livestock with the same end month or have the same insured livestock insured under multiple policies. • Modify the premium offset language to allow an insured the choice to receive indemnities without a reduction to offset premium on any endorsements that have not ended. New Livestock Product (Coming in 2024) Weaned Calf Revenue Protection Approved by the FCIC Board in August 2022 slated for release in the 2024 Reinsurance Year with the first sales closing date expected in January 2024. More details to be released closer to the policy change date.
Coming Soon: Multi-Factor Authentication in eHarvest
Over the past couple years, much of the world has seen a significant shift in how (or equally so, where) we work. For those that worked in offices prior to Covid-19, many companies have taken on hybrid schedules that allow their workforce the opportunity to work from home part time. The rise in remote work, coupled with always-prominent concerns regarding data security, has prompted the Hudson Crop IT team to add Multi-Factor Authentication (MFA) to our eHarvest® login process. Multi-Factor (or 2-Factor, or 2-Step) Authentication relies on more than just a username and password to verify a user’s identity before providing access to a device or website. By relying on multiple factors, such as combining something you know (a password or PIN) with something you have (a smartphone or smartcard), the risk of unauthorized users accessing accounts is minimized. Passwords are often repeated across multiple sites or written down in notes on or near computers and may be easily cracked by hackers. With MFA, hacking a user’s ID and password to a site will not be enough for someone to gain access they should not have. All Hudson Crop employees started utilizing MFA to sign into eHarvest in 2021. Recently for 2022, we have successfully started switching designated groups of our agents over to the new MFA login process. This login change for agents will continue to take place over the course of the next few months until we have all eHarvest users signing on with MFA. Agencies will be contacted in advance of their users being switched over and will receive detailed steps of the quick MFA registration process. Individual users will receive an email notification of their login change two weeks in advance. Until Hudson Crop IT contacts your agency, users should continue logging into eHarvest as you normally would. Should you have any questions or concerns regarding this upcoming change, please reach out to us.
Crop Insurance Systems Specialist II
Clair Toews
Some of the most exciting updates during the last quarter include: • Changes to the Policy Estimate Display and Printout • Batch Printing Generates Plan Code on Policy as Default • Integration of a HIP-WI Percent Comparison Report to Print
• Intro to Crop Ins (4-pt series) – 12 • Dairy Revenue Protection – 3 • Livestock Risk Protection – 3 • Livestock Gross Margin – 3 • Livestock Comprehensive Update – 3
• Implementation of Changes for the Quick Whole Farm Estimate • Updates to the PRF Quoting Tool Screen and Printout • Incorporate ECO/SCO Decision Tool into Quoting Platform
Changes to the Policy Estimate Display and Printout For MPCI agencies, the full policy estimate has undergone significant changes over the past few months to provide a cleaner look at producer premium and estimated indemnities both on screen and in print. Where to Find It - Under the Estimator Menu, Policy Estimates. Also, once in a grower policy, Estimate Tab. Why We Care - Agencies can now quickly communicate premium and indemnity information to their existing insureds and prospective new business clientele.
Batch Printing Generates Plan Code on Policy as Default When generating estimates for existing policyholders, the system will default to print only the plan code on the existing policy, with coverage levels selected by the agent. To quote other plan codes, the agency will apply a template with the additional plans and coverage options.
Where to Find It - Under the Estimator menu, Batch Estimates. To create a template, select Template option in the Estimator menu. Why We Care – When batch printing estimates for your existing policyholders, the output will include the selections you make for your growers instead of applying all plan codes available for your given area. This will significantly reduce page count and provide you with a usable document based on your preferred options.
As these screens are currently under development, note the imagery included are drafts only and some changes should be expected.
Project Manager • Underwriting
Michelle VanLaningham
Incorporate ECO/SCO Decision Tool into Quoting Platform Agents have many tools available to them for evaluating the best policy options for their insureds, but with the increases in supplemental area plans of insurance, making sense of the options can become overwhelming. Hudson Crop has developed a stand-alone version of an SCO/ECO Decision Tool but coming in Spring 2023, the tool will be available in the eHarvest® Quoting platform. Where to Find It – Under the Estimator menu, create Policy Estimate Scenario for your grower or prospect. Select the link in the scenario screen to open the SCO/ECO Decision Tool modal. Why We Care – Agencies can now quickly evaluate the options available to their growers or prospects by evaluating the premium and indemnity impacts of coverage and trigger levels selected. After reviewing these options, the agent will be able to apply their selections to the policy to ensure the grower is selecting the best option for their farming operation.
Updates to the PRF Quoting Tool Screen and Printout For agencies quoting PRF policies, the estimator screens have been modified to includes screens that allow for greater visibility on grid and interval selections, including the ability to see historical summaries and index values for 5-, 10- and 20-year periods. Where to Find It – Under the Estimator menu menu, locate the Quick PRF Estimate in the Quick Estimate pick list. Why We Care – Agencies can now quickly navigate entry screens for their clients, including rapid entry of selected intervals using the odd/even concept. Once keyed, the coverage and indemnity/index value information display on screen to share with an insured or to generate into a printable PDF document.
Implementation of Changes for the Quick Whole Farm Estimate Regulatory changes were introduced for the Whole Farm Revenue Protection plan of insurance for the 2023 reinsurance year that included increasing the maximum approved revenue totals for new and carryover/renewal policies. Where to Find It – Under the Estimator menu, locate the Quick Whole Farm Estimate in the Quick Estimate pick list. Why We Care – Agencies can quickly quote WFRP and Micro Farm policies for their insureds using the scenario screens for both fiscal year and calendar year filers. After selecting your state/county and crop type, enter historical information for the prospective area and generate print documents to share with your clientele.
Integration of a HIP-WI Percent Comparison Report to Print For MPCI agencies where hurricane coverage is available, an HIP-WI Premium Calculator was integrated into the policy estimate screens, including the integration of a HIP Price Percent Comparison Worksheet, allowing agents to identify all coverage level options for this additional coverage option. This worksheet can be accessed for both policyholders and prospects. Where to Find It – When selecting your policy estimate scenarios, choose “Compare All” and the document will default to generate when the packet is produced. When printing the policy estimate, select the HIP Price % Comparison to include in the packet. Why We Care – Agencies can now quickly communicate additional premium and liability information to their existing insureds and prospective new business clientele for each commodity covered under the plan.
Hudson Crop is making strides to ensure flexibility and ease of doing business. Based on feedback from our agents and insureds, we’ve been making enhancements to eHarvest® that are setting the stage for two upgrades to our Online Bill Pay platform. Starting in fall 2022, we will expand our Online Bill Pay features to include Pay As Guest and Credit Card payment options. We currently offer two ways for insureds to pay their premium online, either by 1) a grower creating an account and making their own payments, or 2) calling in their premium payments by phone to their contracted Hudson Crop agent. While these features will remain in place, the feedback received was that the existing payment options are limited due to the fact that the current options require someone (either the grower or the agent) to have an eHarvest account or pay from a checking or savings account. The following provides a brief description of what is coming for Online Bill Pay. 1.) Pay as Guest: This new feature will allow a person who does not have an eHarvest account, such as a farm manager or an accountant, to make a one-time premium payment online for a grower. In order to make the payment on behalf of the grower, the person making the payment will simply need to have the grower’s bill in hand, the grower’s banking information and enter verification data from the bill. 2.) Credit Card Payments: Credit Card payments will also be accepted in the roll-out of these upgrades. Card processing fees and interest must be assumed by the insured...
Other Online Bill Pay and Transactional Reminders: • MPCI, Private Product and Livestock policies are available for Online Bill Pay. • In the event of an RMA audit, funding sources for premium payments must be proven as valid accounts owned by the insured named on the policy(ies). • Banking account information is not required to be stored in eHarvest/myHudson, and users may make one-time payments each time they login. However, the option to save banking account information for future payments is available for users. • We also offer direct deposit options for claim payments so growers do not have to wait for a paper check in the mail. Agents may set these up for their growers as requested after signing an acknowledgment form for system permissions.
Online Bill Pay – Upcoming Enhancements
National Compliance Reviewer
Jackie Schooler
Please reach out your Hudson Crop marketing representative with questions or for more information on our tools and technologies.
Irrigation Guidelines
As drought and impending water supply issues continue to impact several areas of the country, we want to urge agents and insureds to familiarize themselves with Irrigated Practice Guidelines. While these documents are issued to the insured annually, let’s take this opportunity to review the fundamentals. First and foremost, the insured must have the ability to carry out a “good irrigation practice.” This is defined as the application of adequate water in an acceptable manner, at the proper times, to allow production of a normal crop, which is identified as the APH yield. Additionally, the insured must have a Reasonable Expectation of Adequate Water supply, which is the source and means for supplying irrigation water when insurance attaches. No reasonable expectation exists if the insured knew, or has reason to know, the amount of irrigation water may be reduced before coverage begins. Insureds must be able to document and demonstrate the following as a part of the irrigation assessment:
Several factors are considered when determining whether or not the insured had a reasonable expectation of adequate water and whether a good irrigation practice was carried out. These questions and answers are completed by the adjuster and the insured VIA the use of the Irrigated Claims Guidelines and Questionnaire. The Questionnaire is a series of questions that will help document whether or not all requirements were met. Approved Insurance Providers (AIP) must take the following actions if failure to qualify for or carry out a good irrigation practice is determined: The Loss Adjustment Manual also speaks to several more issues as it pertains to irrigation and related issues. The information in this article is simply a brief summary of the Irrigated Practice Guidelines and a friendly reminder to become familiar with all policy provisions, terms and requirements as it related to Irrigation. Lastly, we always encourage insureds to report a Notice of Loss as soon as possible in the event of any damage. The sooner the better!
VP - Director of Operations
• Reasonable expectation of water • Good irrigation practices • Adequate irrigation equipment and facilities • Documentation (by the Acreage Reporting Date (ARD)) that the irrigation water supply has replenished • Separate production records for each practice
• If the acreage fails to qualify for insurance under the irrigated practice, it will result in such acreage being insured under a practice other than irrigated. If no other appropriate practice is available for the acreage, insurance will not be considered to have attached on the acreage. • Failure to carry out a good irrigation practice on acreage properly insured under the irrigated practice will result in an appraisal for uninsured causes on such acreage, unless: o The failure was caused by unavoidable failure of the irrigation water supply after insurance attached; or o Failure or breakdown of the irrigation equipment or facilities due to an insured COL, provided all reasonable efforts to restore the irrigation equipment facilities to proper working order within a reasonable amount of time, unless the AIP determines it is not practical to do so. • Note: Cost will not be considered when determining if it is practical to restore the equipment or facilities. • If a loss is evident, any reported acreage qualifying as an irrigated practice at the time insurance attaches cannot be revised to a non-irrigated practice after the ARD, even if liability remains the same or decreases, or if the insured failed to carry out a good irrigation practice.
Jaya Hahn
Regional Claims Manager - Northwest Region
Managing Prevented Planting in the North
Growers in the Northern part of our region found themselves in the middle of a long, drawn out, cold and wet spring that delayed access to fields in some areas past the final planting dates for their planted crops. With a cause of loss common to a sizable area, the Hudson Claims staff began preparations in early June for a large number of prevent plant (PP) claims. The Prairie Pothole region is no stranger to the planted, harvested and insured (in one of the prior four years) requirements that are now nationwide. Hudson adjusters were able to utilize our integrated mapping system and APH histories to determine maximum payable acres by CLU for each section on our insureds’ policies prior to knowing the results of our insureds’ planting progress. This “homework” on the front side really speeds up the claims process once Acreage Reports are completed and maintains Hudson’s position as a leader in claims service for our agents and insureds. The last week of May and early June proved favorable for planting progress in the region. Growers were able to change planting intentions on-the-fly, and much of the acreage ended up with a planted crop. Whole fields of PP were uncommon at the end of planting for many of our insureds, but several fields saw partial planting and resulted PP claims work for our staff. We are currently well on our way to closing the final PP claims for the year, and agents and insureds alike are pleased with Hudson Claim’s ability to help them navigate a trying planting season.
Regional Claims Manager
Glenn Anderson
Hudson Crop strives to provide superior customer service and ensure our partnering agents have everything in place to grow. We understand that RMA and State requirements can be confusing, so our Agency Services Department is here to assist you. 2023 Training at a Glance – Over 29 Training Hours Available! As a customer service to you, we not only provide the RMA-required training, but also file for State Continuing Education (CE) credits for many courses. These State CE credits apply to the required hours for the renewal of your State license. Below are some of the trainings in which you can participate to receive both RMA and State CE hours: • Ethics – 3 • Spring Updates – 3 • Fall Updates – 3 • Acreage Reporting – 3 • Rainfall Index (PRF and Apiculture) – 3 Training made easy!
Shelley Simonson
Reminders: It is the responsibility of the agent to keep training, exams and licenses up-to-date and submit certificates and renewals in a timely manner. Expired exams or licenses or missing training hours could prevent policy processing or create policy suspensions. Please send a copy of all certificates and renewed licenses to: AgencyServices@HudsonInsGroup.com All agents must submit an annual Conflict of Interest (COI) form and an annual Controlled Business form. These forms may be completed electronically within the eHarvest Processing System dashboard. To complete your COI or other disclosure forms electronically, access your Dashboard from within the Tools dropdown. Select the Disclosure tab. Person type will be either Individual or Agency, depending on the form you are completing. Select the applicable form from the Type drop-down. Enter your SSN and Last Name and be sure to select the correct Reinsurance Year.
• Intro to Crop Ins (4 pt series) – 12 • Dairy Revenue Protection – 3 • Livestock Risk Protection – 3 • Livestock Gross Margin – 3 • Livestock Comprehensive Update – 3
Hudson Crop strives to provide superior customer service and ensure our partnering agents have everything needed to grow. We understand that RMA and State requirements can be confusing, so our Agency Services Department is here to assist you. 2023 Training at a Glance – Over 29 Training Hours Available! As part of our customer service, we not only provide the RMA-required training but also file for State Continuing Education (CE) credits for many courses. These State CE credits apply to the required hours for the renewal of your State license. Below are some of the trainings in which you may participate to receive both RMA and State CE hours: • Ethics – 3 • Spring Updates – 3 • Fall Updates – 3 • Acreage Reporting – 3 • Rainfall Index (PRF and Apiculture) – 3 Training made easy! Training should be easy and convenient, so we’ve moved our Exam Center and Event Registration into the eHarvest ® Processing System! Agents may now access all competency exams and register for upcoming trainings from the main menu under Licensing/Training.
Exam Center Expired exams are no longer roadblocks! For convenience, all exams are available 24/7/365 and scores for MPCI and Livestock exams are automatically updated within eHarvest after successfully passing the applicable exam. Please discontinue use of any exam links you may have received in the past. Always access exams via the eHarvest exam center to receive proper credit. Training Events Keeping up on required training paves your way to success… even on your own schedule! Register for upcoming training events or access on-demand* recorded training, 24/7/365. *Note: On-demand training provides RMA training credit only. Please Note: If you do not see the Exam Center or the Training Events options in your Licensing/Training drop-down, please log out of eHarvest, clear your Internet Browser’s history and cache, then log back into eHarvest.
Technology Trends in Crop Insurance: Marketing Precision Technology and Carbon Initiatives to Your Agent and ProducerThe use of precision technology has tremendous benefits to improving crop insurance reporting and lowering premium. As studies show, it can have other positive outcomes including better economic returns for growers and reduced impact on the growers’ land. This is especially beneficial as carbon programs become more common in the crop marketplace and growers are introduced to plans in which increasing cover crops and reducing tillage practices reward growers for their hard work. Hudson Crop specializes in helping growers use their data collected during planting and harvest for crop insurance reporting purposes. The use of this data during reporting periods leads to more timely and accurate reporting, allowing producers to use their data as verified acres and yield determination. For example, during acreage reporting, the producer is reporting only those acres covered during planting as opposed to the acres designated by FSA 578 maps. As needed, Hudson specialists will assist the grower with data collection and processing from Farm Management Software packages, and will provide further support whenever needed. This process is smooth and efficient while following crop insurance reporting regulations under RMA standards. Precision technology is not only useful in crop insurance reporting; recent studies have determined this technology can have even larger input savings for the producer in the future. More accurate use and placement of crop inputs on fields can reduce the use of fertilizer and herbicide, thus creating an indirect outcome of improved water quality throughout the soil and overall improved soil health. Lastly, these studies have found that using precision technology in agriculture can contribute to increased yields in major crops. For a better understanding of how precision technology can assist in your farming operation, please consult your authorized seed representative or agronomist for specifics pertaining to you and your operation.
In addition to paying premium for unplanted land that appears as FSA acres, there are other drawbacks of traditional crop insurance reporting when compared to precision technology reporting. Using FSA acres for reporting can artificially lower a grower’s actual production history (APH). To calculate the APH, the field’s planted acres are divided by the fields total production. Using FSA acres, which are typically greater than the acres reported by precision or true planted acres, can lower the field’s APH, thus lowering the maximum potential payout for any claim on the field. Hudson Crop’s Carbon Programs A carbon credit or ‘offset’ is a certificate representing one metric ton of carbon dioxide equivalent per acre of farmland that is either prevented from being emitted or removed from the atmosphere because of a farmer’s change in tillage practices, or by cover crop introduction. These offsets assist the producer to focus on sustainability. Carbon credits, ranging from a producers change in farming practices to more sustainable farming practices, can be used by buyers to compensate their emissions by financially enabling those producers enrolled in Hudson Crop’s Carbon Offset Program. In partnership with crop insurance agents, MyAgInfo and ARVA INTELLIGENCE® have joined together in an effort to help you and your agent evaluate available climate-smart agriculture programs. The MyAgInfo platform was created by AgWorks to deliver a comprehensive agricultural portal and suite of decision support tools for producers, crop insurance agencies and agronomic affiliates. Based on evolving federal farming/ranching policies and programs involving the USDA’s Risk Management Agency and the Farm Service Agency, it offers robust, custom-designed tools that enable farmers and agricultural professionals to make more informed operating decisions in an increasingly complex and competitive industry. ARVA INTELLIGENCE will provide a comprehensive identification of carbon potential for submitted locations, crops and farming practices. You should carefully evaluate available options and provide additional information as it may be required to further quantify the cost and benefit of potential programs. Note you have no obligation to enroll in a carbon sequestration program. As a final step of the pilot, ARVA INTELLIGENCE will provide you and your agent an executable contract outlining producer, broker and buyer terms and obligations. You are not obligated to sign and execute this contract if it does not fit your operation.
Director of Marketing Support
Ron Zarr & Jeffrey Vanlandingham
Marketing Precision Technology and Carbon Initiatives to Your Agent and Producer
Jeffrey VanLandingham
National Field Services Manager
Which U.S. crops and regions have an appetite for carbon sequestration programs? The answer will vary by crop, area, soil composition, etc. so please reach out to your Hudson Crop Sales Representative with your specific inquiries. That said, an area which provides a higher soil organic carbon (SOC) by region will provide a better benefit to the producer enrolling in a carbon sequestration program. The green and blue areas in the map below show soils with a higher level of carbon, which is more common in the northern plains and forested regions. The orange and red areas represent zones with low levels of soil carbon; these areas are mainly in the arid regions of the U.S. Buyers are looking for “legacy acres” where the grower has been planting a cover/no-till/less till crop for several years. These practices/acres, which are more plentiful in the Midwest than the South or Southwest, are marketable.
• Producers can benefit from potentially reporting fewer actual planted acres (compared to FSA reported acres), thus potentially reducing their premium and increasing their associated APH for those fields. • Reporting actual planted acres (compared to FSA acres) can result in less fertilizers and herbicides being used on the fields, which can help increase water consumption and soil health. • As for soil carbon sequestration, potentially using less fertilizers and herbicides on a given field can increase agricultural productivity. Spending less time in the field during planting season can result in lowering fuel consumption of implements and reducing emissions. • By changing tillage practices and adding cover crops, growers can have the additional benefits of restoring degraded soils, enhancing crop production and increasing microbial activity and soil biodiversity—all which contribute to carbon sequestration on each field. ARVA INTELLIGENCE is a service mark of Arva Intelligence Corp., Salt Lake City, Utah.
In conclusion, here is a summary of producer benefits that may result from precision farming and entering a carbon sequestration program: • Precision farming allows the producer to provide more timely reports for acreage and production.
With the new year come new goals, new opportunities and new programs! We are excited to introduce MySCO and MyECO in February 2023. The MyECO and MySCO policies are private crop insurance programs offered by Hudson Insurance Company that are independent of the Risk Management Agency of Federal Crop Insurance Corporation. These programs will provide insureds with high levels of individual coverage either at 90% or 95% for MyECO and up to 86% on MySCO. In order to qualify for My ECO or MySCO, the insured must have a MPCI policy written as YP or RP at a 75% coverage level or higher with the ECO or SCO endorsement. Both will be an optional unit basis, regardless of the underlying MPCI unit structure. Both policies will be offered in most states where the federally subsidized SCO/ECO program is offered and will be available where the underlying MPCI coverage is YP or RP. So, if the underlying MPCI Plan of Insurance is YP, MySCO/MyECO plan election must be YP. If the underlying MPCI Plan of Insurance is RP, MySCO/MyECO plan election may be either YP or RP. The MyECO policy will pay you for your loss in accordance with its terms whenever your individual final revenue is less than the trigger guarantee minus indemnities paid on the Enhanced Coverage Option plan of insurance. The MySCO policy will pay you for your loss in accordance with its terms whenever your individual final revenue is less than the trigger guarantee minus indemnities paid on the Supplemental Coverage Option plan of insurance.
Marketing Communications Specialist
Rachel Henke & Courtney Coombs
Senior Marketing Communications Specialist
Lexi Schroeder
All potential MySCO/MyECO indemnities will be offset from any SCO/ECO federally subsidized indemnities. It is possible that the federal SCO/ECO program generates an indemnity and the MySCO/MyECO private product does not generate an indemnity and vice versa. The fundamental difference is that MySCO/MyECO protects against a decline in a farmer’s individual revenue, while the federally subsidized SCO/ECO protects against a decline in county revenue. Final indemnities will be calculated within 30 days after the final county yields are released by the RMA and all final production has been reported. There is no need to file a notice of loss. Reported production and final county yields will be used to calculate any potential indemnities.
And Justice for All
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Helpful Resources
• And Justice for All Poster
• Language Assistance Poster
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ADA requirements
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• Filing a Program Complaint
• Reach out to info@hudsoncrop.com for available Ethics Training opportunities.
• “I Speak” Card
National Crop Hail/Named Peril Manager
88.2%
2022
2021
84.8%
86.1%
84.7%
82.2%
80.7%
83%
81.7%
93.1%
89.9%
85.2%
90.1%
90.4%
ANNUAL AGENT SCORECARD
Comparing 2021 and Projected Results for 2022
Agent Scorecard
If you haven't made your voice heard yet, there's still time! Please use the below QR code to access the 2022 Agent Scorecard and let us know what you think! We value your time and input!
"If there is a problem or a request, they handle it right away."
"Ronnetta is fabulous!!!!"
"Claim adjusters always professional, courteous and knowledgeable. My farmers appreciate all their hard work and punctuality when working claims too. Bob McCrumb, Dylan Giebner, Kyle Kerr, and Emily Smith all get 5 Stars."
"System performance and policy workflow are much improved. Farmer/Landlord link, Fast Edit Coverage, Mapping Enhancements, integrated parcel layer, and PRF workflow are the best in the industry."
"Very helpful in finding the answers I need and encouraging me to grow my business with additional products."
"Hudson training is always efficient and helpful."
"The team is very helpful and strives to understand grower needs and meet and exceed their expectations."
Courtney Coombs
Accounting
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COMPLIANCE
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Training
Underwriting
As I sit here today writing this article, I am watching 2023 new crop futures contracts for the “big 4”- corn, cotton, soybeans and wheat bounce around continued historical highs. What is also bouncing around historical highs are the related input costs the American farmers are incurring to produce the crop to feed and clothe not only the U.S., but the majority of the world. Seeing high prices can be exhilarating, but at the same time, we know those high prices are pushing more financial risk on to the balance sheets of U.S. farmers to be able to produce the crop. As their most trusted business advisor, they will be looking to their crop insurance agents for any available tools to assist in mitigating this additional risk, and Margin Protection (MP) coverage may be one to discuss with those in the pilot area.
National Accounts Manager
Carmen Mescher
Examining the Inputs Side of MP
• N is commonly used in several forms: anhydrous ammonia, 28% and 32% liquid nitrogen which are UAN solutions made of up Urea, Ammonium, and Nitrate. Anhydrous Ammonia and UAN solutions are the most widely used forms of Nitrogen for corn and soybeans. Urea is used more commonly for wheat, but in specific areas, urea use on corn is increasing as environmental concerns surrounding anhydrous arise. Despite being actually used less than other forms of Nitrogen, the nitrogen cost used in Margin Protection is Urea. As you can see there is a potential disconnect between one of the products used on corn/soybeans in the field versus the product used to protect corn/soybeans in the MP product. The lack of available Anhydrous or 28/32 publically trading indexes makes urea most compatible for the MP product, as it is a publically-traded index on the CME. It is important for farmers to understand this if they are purchasing MP on corn/soybeans to manage their expectations around what fertilizer products are being covered by MP. The product affords price mitigation protection; but not in direct correlation to what actual price fluctuations may be at the farm level when using Anhydrous and 28/32. • P is commonly used in DAP (diammonium phosphate) and MAP (monoammonium phosphate). The phosphate cost used in MP is DAP for corn and soybeans and MAP for wheat. • Potash is the fertilizer form for potassium, and this is also used in MP. it’s important to note the potash price used in the MP product is tracked as a projected price during the August 15-September 14 discovery period, however, it does not change and is held constant at harvest price discovery period, so the price remains static from projected to harvest.
Exhibit 3 analyzes which fertilizer products have to be imported from areas outside of the U.S., and due to current world conditions, may make the supply vulnerable, which could correlate to significant price fluctuations as we approach the product purchase and applications seasons.
• Potash, at present, appears to be the fertilizer source with the possibility of being the most vulnerable to supply/demand price volatility. Four nations account for 80% of potash production: Canada, Russia, Belarus, and China.
MP was first introduced as a pilot program for Corn, Soybeans, Spring Wheat and Rice. The product offers the ability to protect not only revenue at an area level, defined as a county, it also affords protection on several major input costs, including Urea, DAP, MAP, Potash, Diesel and Interest rates. Hudson Crop recently collaborated with University of Illinois - FarmDoc to examine the input side of the equation as it relates to the MP product, primarily the fertilizer components since they tend to make up the majority of the input costs. To gain an understanding of how the product might afford risk management protection, let us first look at the current fertilizer situation.
Exhibit 1 shows the three major sources commonly referred to as “N, P and K” vital to U.S. crop production. These highlighted products are included as fertilizer inputs subject to change in the MP product-Urea, DAP/MAP and Potash.
1
Exhibit 1
Exhibit 2 shows historical price trends for all MP fertilizer components, as well as anhydrous ammonia. These are farmer-paid cash price indexes comparing the September time frame, which is a common month for producers in the pilot area to consider the purchase of inputs.
Exhibit 2
2
Exhibit 3
4
Historical US import sources for potash are -Canada (75%), Russia (10%), and Belarus (8%). Potash is an area of vulnerability for US producers and particularly given the reliance on Russia and Belarus as import sources and geopolitical events in that region. • Nitrogen may also present an opportunity for some additionally significant price volatility - not necessarily because of the product itself, but its reliance on natural gas supplies to produce the product. Together China and Russia produce more than 1/3 of the world’s ammonia. The U.S. is the next largest producer of ammonia. Not only is the US one of the world’s leading producers of ammonia, but also one of the world’s top consumers of ammonia. Over the last five years, the U.S. has produced 80-90% of the ammonia consumed domestically, so the U.S. is not heavily reliant on imports to fulfill demand. Almost all the ammonia imported by the U.S. comes from Trinidad and Tobago and Canada. Natural Gas concerns: o Top Nitrogen producing nations often have the largest capacity of natural gas, like China, Russia, and the U.S. o Europe is heavily reliant on natural gas from Russia. With the Russian invasion of Ukraine there is a lot of uncertainty in natural gas production and trade flows. Coordinated sanctions imposed on Russian exports of natural gas by the US, Europe, and other allies have led to a major shift in trade flows. Without Europe as a destination, China has benefitted from expanded access to Russian natural gas, and at a bargain price.
The US imports 94% of the potash used in US crop production. Historical US import sources for potash are -Canada (75%), Russia (10%), and Belarus (8%).
o The US has been become the world’s top exporter of LNG (liquid natural gas), with 71% of US LNG exports going to the European Union and Britain during the first five months of 2022. • This is a 12% increase in exports in the first half of 2022 compared to last half 2021. • If this results in lowered ammonia production, it could put added pressure on nitrogen fertilizer prices. In summary on the subject of inputs, the MP product does assist in managing some of the price fluctuation risk associated with three of the major fertilizer input supplies. As a reminder, MP also affords risk mitigation for interest rates and diesel, which were not covered in this article. Now we come to the looming question, “Which will make the move downward first - commodity prices or input prices?” Exhibit 4 shows the correlation between the historical drivers of increased input costs, one being natural gas, and the primary driver being corn prices. Urea is included in the chart – it is the fertilizer input product in the MP coverage and signals a trend similar to Anhydrous Ammonia.
The natural gas price is the Henry Hub price in ($ per million BTU). This is a bellwether price in the natural gas price and is a spot price for natural gas in a pipeline in Earth, Louisiana. CME natural gas futures contracts clear on the Henry Hub price. This is for North American price. Anhydrous ammonia is the price paid by Illinois farmers. The corn price is a national corn price collected by NASS. • Natural gas: higher natural gas prices are associated with higher nitrogen fertilizer prices
Exhibit 4
• Corn prices: higher corn prices are associated with higher fertilizer prices, more important than natural gas prices If commodity prices follow the historical trend of moving downward first, the higher coverage levels of 95% and 90% afforded by MP may make it a worthwhile consideration for growers in the upcoming growing seasons as a way to mitigate risk on both sides of the ledger—revenue and inputs. At present, no other crop insurance product affords this benefit...
Another benefit to consider is the producer’s ability to carry an underlying base policy (RP, RP HPE or YP) in addition to MP to secure both individual and area-based coverages during these “historical times.” The article focuses on the three major input components included in MP, but there are many other factors and dynamics of the product to consider when meeting with producers. Please reach out to your Hudson Crop Regional Sales Manager for more information and to review the sales and analysis tools we offer to sort through product benefits. Remember, the sales closing date for MP is September 30, 2022.
1 Schnitkey, G., N. Paulson, C. Zulauf, K. Swanson, J. Colussi and J. Baltz. "Nitrogen Fertilizer Prices and Supply in Light of the Ukraine-Russia Conflict." farmdoc daily (12):45, Department of Agricultural and Consumer Economics, University of Illinois at Urbana-Champaign, April 5, 2022. 2 https://farmdocdaily.illinois.edu/2022/04/nitrogen-fertilizer-prices-and-supply-in-light-of-the-ukraine-russia-conflict.html 3 US Department of Agriculture, Agricultural Marketing Service 4 https://pubs.usgs.gov/periodicals/mcs2022/mcs2022.pdf 5 https://www.reuters.com/business/energy/us-becomes-top-lng-exporter-first-half-2022-eia-2022-07-25/ | https://www.forbes.com/sites/thomasduesterberg/2022/07/07/historic-shifts-in-russian-energy-flows-bolstering-china/?sh=2bacf90e2423 6 FarmDoc
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National Processing Manager
Traci Provence
Moving business is one of the toughest tasks an agent faces during an already tasking sales season. We make transferring business easy. Our Policy Underwriting Department will provide its internal and external customers with differentiated services and results through accurate and timely policy processing of new business. We start by pairing the right CIS with every agency. Our approach to CIS assignment is highly methodical and never taken lightly. Variables such as personality, crop/plan type and geography are taken into consideration when conducting this important agency onboarding process. We also look for ways to ease the load. The CIS is here for you and will support quoting readiness, provide pre-printed applications and APH processing. Whether using the M-13 file or hand-keying and conducting data cleanup, we strive to make the transfer process stress free. We currently implement service workgroups within our walls, compromised of departmental representatives from Sales to Underwriting to ensure a successful move to Hudson. Your Crop Processing Team
NON DISCRIMINATION STATEMENT: Hudson Insurance Company is an equal opportunity provider. In accordance with Federal civil rights law and U.S. Department of Agriculture (USDA) civil rights regulations and policies, the USDA, its Agencies, offices and employees and institutions participating in or administering USDA programs are prohibited from discriminating based on race, color, national origin, religion, sex, gender identity (including gender expression), sexual orientation, disability, age, marital status, family/parental status, income derived from a public assistance program, political beliefs, or reprisal or retaliation for prior civil rights activity, in any program or activity conducted or funded by USDA (not all bases apply to all programs). Remedies and compliant filing deadlines vary by program or incident. The information contained in this publication is provided for informational purposes only and is not provided as a substitute for advice from legal counsel regarding the content or interpretation of any law, regulation or rule. The information provided shall not revise, supplement or alter an insurance policy in any manner, nor is it intended as a substitute for advice from a risk management expert or legal counsel you may retain for your own purposes. All coverages underwritten by Hudson Insurance Company. ©2023 Hudson Insurance Group. Hudson Insurance Company is an equal opportunity employer.
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Leesha Heins
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