Driving in North Dakota comes with its own set of risks-icy highways on I-94, rural roads where deer crossings are common, and hailstorms that can leave vehicles badly damaged. At Bowerman Insurance Agency, we provide auto insurance in Steele, ND and Bismarck that keeps you protected on every trip. As an independent insurance agency, we shop multiple carriers to find the right balance of coverage and cost for your needs.

Livestock Risk Protection (LRP) Insurance in North Dakota

Price-Floor Protection with Upside Potential

LRP works like affordable price insurance for eligible livestock. You choose a class, coverage level, and end date; if the index price finishes below your insured price, LRP pays the difference. Bowerman Insurance Agency helps North Dakota producers align coverage with marketing plans for feeder or fed cattle.

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Daily Quotes, Flexible End Dates

Coverage offerings are posted frequently. Pick your head count and target end date window; premiums are subsidized and is billed the 1st day following the second month after the end date for the endorsement purchased. At the end, if the published index settles lower than your insured price, you receive an indemnity-no futures account required.

Stabilize Income in Volatile Markets

LRP is accessible for small and mid-sized herds, with minimums as low as a single head. Keep the market upside if prices rise; if they fall, LRP helps close the gap.

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Your Questions, Answered

  • What livestock are eligible?

    Coverage is available for feeder cattle, fed cattle, swine, and lambs.

  • Does my cash sale price matter?

    Indemnity is based on the national index, not your individual sale.

  • How much can I cover?

    Coverage levels vary by day; we'll show available price floors.

  • Can I pair LRP with PRF?

    Yes-many ranchers use both drought and price tools together.