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.

Multi-Peril Crop Insurance (MPCI)

Your Primary Safety Net for Weather and Markets

Multi-Peril Crop Insurance is the backbone of crop protection. Offered by private insurers and supported by the USDA, MPCI shields your farm from multiple perils-drought, excess rain, hail, frost, disease, insects-and, with revenue options, price swings. Bowerman Insurance Agency guides producers through elections and paperwork so coverage fits your acres and cash flow.


MPCI has many different levels of coverage, it takes a great deal more effort these days than in the past to try to analyze each year which coverage is best for each farmer. Every farmer has a different set of circumstances regarding the best policy coverage for him/her that particular year.

With the gambles farmers face with Mother Nature and the disasters, insects, or whatever it may be, it's a secure feeling to know your crop has the protection you need. Of course, being paid for a crop loss most likely is not nearly as good as getting the good crop harvested but it does help recoup the large inputs we have into our crops today.

A white house with a porch and a chimney

Choose Yield or Revenue Protection

Pick Yield Protection to insure a percentage of your APH, or Revenue Protection to combine yield and market price for a guaranteed income floor. For some operations, Revenue Protection with Harvest Price Exclusion can lower premium while still covering yield shortfalls. We'll compare scenarios specific to your farming operation.

Dates, Decisions, and Claims-Simplified

Enroll by the sales closing date, select a coverage level (often 50-85%), report acreage after planting, and update production each year. If actual yield or revenue falls below your guarantee, a claim is paid. Bowerman Insurance Agency coordinates reporting, unit structure, and claims so you can focus on the field.

A white house with a porch and a chimney
A white house with a porch and a chimney

From Drought Years to Wet Harvests

In a tough season, MPCI can be the difference between breaking even and a major loss. Pairing MPCI with targeted add-ons, like hail coverage for spot losses, creates a stronger risk plan for you.

Two young boys are laying on the grass and talking to each other.

Answers for Row Crops

  • What crops are eligible?

    Most row crops grown in the upper midwest have MPCI programs; county offerings vary.

  • How is my APH set?

    It's based on your historical yields; we'll help you capture accurate data.

  • Is pasture covered under MPCI?

    No-consider PRF insurance for grazing and hay acres.

  • Can I stack hail with MPCI?

    Yes-hail pays on field-level losses even when MPCI doesn't trigger.

Crop insurance changes all the time and can be very complicated, we stay on top of the technology we have access to and provide the best possible coverage for the risks farmers' face on a daily basis!


MPCI can be very complicated and is continuously changing from year to year. There are several different ways and levels of coverage. That is why we always meet with our customers several times a year to be certain they have the best coverage for their operation. We take great pride in giving our farmers the best service available on this complicated program. If you are not presently insured with us, please don't hesitate to get in touch with one of our offices and see how we can help you get the coverage you so deserve.