09/21/2026
🌾 Optional Units vs. Enterprise Units — Do You Know the Difference? It Could Save You Money.
When it comes to crop insurance, one of the biggest decisions you make isn't just how much coverage to buy — it's how your acres are organized. That structure is called your unit arrangement, and it has a major impact on both your premium and how a claim gets paid.
Optional Units With Optional Units, each qualifying field or section is insured separately. That means if one field gets hammered by hail or drought, that loss is calculated on its own — your good fields don't cancel it out. It's the most individualized coverage you can get. But that protection comes at a price — Optional Units carry the highest premiums of any unit structure.
Enterprise Units With Enterprise Units, all of your insured acres of the same crop in the same county are combined into one single unit. Because the insurance company is spreading risk across all your acres at once, they reward you with significantly lower premiums — often a meaningful difference on a large operation.
The tradeoff? A strong field can offset a weak one, so you generally need a larger county-wide loss to trigger a claim payment. But for many producers, the premium savings are substantial enough to more than make up for that difference.
💡 If you've never seriously looked at Enterprise Units, this could be the year. With tight margins and rising input costs, every dollar saved on premium matters. Enterprise Units aren't right for everyone — but if you're farming multiple fields across a county, the numbers might surprise you.
⏰ September 30th is the deadline to make changes to your unit structure for next year. Don't leave money on the table — let's run the numbers together and see what makes sense for your operation. 📞
Eklund Insurance LLC is an equal opportunity provider.
