Protect Your Crops and Your Livelihood

Protection for Your Harvest, Stability for Your Future

Farming is full of uncertainties. Weather, pests, and shifting markets can all affect your ability to bring in a strong yield. At the Harry O. Culp Insurance Agency, we offer crop insurance to help you manage those risks and keep your operation moving forward, no matter what the growing season brings.

Crop insurance is not just for large-scale farms. It is a valuable tool for any grower who wants to protect their investment in the soil. Whether you raise corn, soybeans, wheat, or specialty crops, we will help you choose a policy that reflects your acreage, your region, and your goals.

Our agency is based in Grand Ledge, Michigan, and we understand how quickly the seasons can change here. We also know how personal your operation is to you. That is why we work closely with each client to explain coverage options clearly and build a plan that supports both short-term recovery and long-term stability.

Federal Crop Insurance and Crop Hail Coverage

We provide access to two essential types of protection: Federal Crop Insurance and Crop Hail Insurance.

Federal Crop Insurance, backed by the USDA and managed through approved private carriers like NAU Country, is designed to protect your revenue or yield based on historical averages. If adverse weather or market conditions affect your production or pricing, this coverage helps compensate for the loss. There are several plan types, and we will help you choose the right fit based on your crop type, farm size, and financial goals.

Crop Hail Insurance, on the other hand, is a private policy that covers physical damage from hail and other specific weather events. It is often used to supplement a Federal policy, especially for farms with high-value or sensitive crops. Because hail can strike suddenly and unevenly, this coverage is especially useful in Michigan, where storms can be unpredictable.

Together, these coverages form a safety net that supports your operation year-round.

On-Site Guidance and Personalized Support

We do more than just write policies. Our crop insurance services include hands-on support from agents who understand both the paperwork and the practical side of farming.

Our team includes experienced crop insurance professionals who are available for on-site visits and one-on-one meetings. We take the time to walk your fields, understand your operation, and make sure your records and applications are accurate and complete. We also stay on top of enrollment deadlines, acreage reporting requirements, and claim procedures so you do not have to.

If you have never purchased crop insurance before, we will make the process simple. If you already have coverage, we are happy to review your plan, identify potential improvements, and provide a second opinion.

Why Crop Insurance Matters

For many farmers, crop insurance is the difference between recovering after a bad season or facing major financial hardship. It provides a layer of stability in an industry where so much is outside of your control.

It also allows you to plan with more confidence. Whether you are securing financing, investing in new equipment, or expanding your acreage, crop insurance helps ensure that your work is not undone by one storm or one dry month. It is not just a safety measure. It is part of a long-term business strategy.

Why Work with the Harry O. Culp Insurance Agency

Our roots in the local farming community run deep. We are not a national call center or a faceless website. We are a local agency that values relationships and understands the seasons you face. Our clients know us by name, and we know their farms by field.

As an independent agency, we are able to offer a range of options through highly regarded crop insurance providers like NAU Country, backed by QBE. That means you are not locked into one carrier, and we are always looking out for your best interests.

If you are looking for clear answers, personal service, and dependable protection for your crops, we are ready to help.