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This calculator is provided by North Cotton Hill, LLC solely as an educational and planning tool. The premium estimates, coverage illustrations, and scenario analyses displayed are for informational and illustration purposes only. Nothing presented by this calculator constitutes an insurance quote, binder, policy, or offer of insurance coverage. No insurance coverage is bound, issued, or in effect as a result of using this calculator.
All premium estimates are calculated using publicly available actuarial data from the USDA Risk Management Agency (RMA). Actual premiums will be determined at policy issuance by the Approved Insurance Provider (AIP) and may differ materially from these estimates due to factors including but not limited to: final projected prices determined during the price discovery period, volatility factor adjustments, acreage and production history verification, actuarial table updates, underwriting decisions, and other policy-specific factors not captured by this tool.
While North Cotton Hill, LLC endeavors to use current and accurate RMA actuarial data, we make no representations, warranties, or guarantees regarding the accuracy, completeness, timeliness, or reliability of any information provided by this calculator. The data is subject to change without notice. Users should independently verify all information before making any decisions.
This calculator does not constitute and should not be construed as insurance advice, legal advice, tax advice, financial advice, or any other form of professional advice. Coverage determinations, eligibility, and premium calculations are made solely by the insurance carrier based on the specific facts and circumstances of each application. You should consult with a licensed crop insurance agent, attorney, accountant, or other qualified professional regarding your specific situation before making any insurance, financial, or business decisions.
All crop insurance coverage is subject to the terms, conditions, limitations, exclusions, and provisions of the applicable Federal Crop Insurance Corporation (FCIC) policy documents, including the Common Crop Insurance Policy Basic Provisions, Crop Provisions, Special Provisions, and any applicable endorsements or options. In the event of any conflict or inconsistency between this calculator and the actual policy documents, the policy documents shall govern and control in all respects.
By using this calculator, you expressly acknowledge and agree that: (a) you are using this tool at your own risk; (b) you will not rely solely on the information provided by this calculator to make insurance purchasing decisions; (c) you understand that the estimates provided may not reflect your actual premium obligations; and (d) you will consult with a licensed crop insurance professional before purchasing or modifying any insurance coverage.
To the fullest extent permitted by applicable law, North Cotton Hill, LLC, its owners, officers, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of or reliance on this calculator, including but not limited to any errors in premium estimates, coverage illustrations, or data accuracy, regardless of whether such liability is based on contract, tort, negligence, strict liability, or any other legal theory, and regardless of whether North Cotton Hill, LLC has been advised of the possibility of such damages.
You agree to indemnify, defend, and hold harmless North Cotton Hill, LLC, its owners, officers, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to your use of this calculator or any breach of these terms.
North Cotton Hill, LLC reserves the right to modify these terms at any time without prior notice. Your continued use of this calculator following any changes constitutes your acceptance of the revised terms.
If you have questions about these terms or this calculator, please contact North Cotton Hill, LLC. For questions about specific insurance coverage or to obtain an official quote, please consult with a licensed crop insurance agent.
Last Updated: January 4, 2026