Causes of Loss

• Adverse weather conditions
• Insects*
• Plant disease*
• Wildlife
• Fire
• Earthquake
• Volcanic Eruption
• Failure of the irrigation water supply, if applicable, due to an unavoidable cause of loss occurring within the insurance period.

All specified causes of loss must be due to a naturally occurring event. *But not damaged due to insufficient or improper application of pest or disease control measures.

Definition
Catastrophic Coverage (CAT): A plan of insurance established by FCIC that provides coverage comparable to a level for a single crop that is equal to 50 percent (50 percent) of the approved yield indemnified at 55 percent (55 percent) of the expected market price. This is the minimum level of coverage required for a person to qualify for certain other USDA programs benefits unless the producer executes a waiver of any eligibility for emergency crop loss assistance .
Production Guarantee: Number of bushels guaranteed per acre determined by multiplying  your average yield (based on your production records) times the coverage level percentage you elect.
Price Election: Price of compensation per bushel in case of loss.

Coverage Levels & Premium Subsidies
Catastrophic Coverage: 50 percent of your average yield and 55 percent of the market price.
Additional Coverage: 50, 55, 60, 65, 70, or 75 percent of your average yield and up to 100 percent of the price election.

Replant Provisions
Not available under catastrophic (CAT) coverage. A replanting payment is allowed if an insurable cause of loss damages your soybean crop to the extent that the remaining stand will not produce at least 90 percent of production guarantee and its practical to replant. The maximum payment will be the price election multiplied by 3 bushels.