Method for providing enhanced risk protection to a grower

摘要

A method of managing the risk of a grower of a crop comprises obtaining individual risk factor data for growing a particular crop in a grower's field or fields and regional risk factor data for a region associated with grower's field or fields. A data processing system determines a regional risk coverage component for the particular crop for the grower's fields based on an assessment of at least one of the individual risk factor data and the regional risk factor data. An insurer, an agent or another recommends an area-based crop insurance plan to achieve the determined regional risk coverage component. An insurer, an agent or another offers an endorsement or crop insurance policy that covers individual risk of the grower at a premium or rate based on an evaluation of the individual risk factor data.