Business Details
Your Trusted Crop Insurance Partner in Billings, MT
Crop 406 is an independent crop insurance agency headquartered in central Montana. With 12 years of specialized experience, we serve farmers, ranchers, and nurseries across Montana, Wyoming, Utah, and the Pacific Northwest. Our agency focuses on delivering tailored risk management solutions through a comprehensive range of federal and private crop insurance products. We prioritize exceptional customer service, ensuring policies are customized to meet the unique needs of each client. Our team combines deep industry expertise with a commitment to helping agricultural producers safeguard their livelihoods against weather-related and market-driven risks.By leveraging federal partnerships and private sector efficiencies, we provide competitive, affordable coverage options. Our mission is to empower agricultural communities through informed policy design, proactive risk planning, and unwavering support during claims processes. We pride ourselves on understanding the evolving challenges of modern farming and delivering innovative solutions that foster long-term sustainability.
Services
MPCI
Hail Insurance
WFRP
PRF
Apiculture
Livestock Insurance
Highlights and features
- We offer 12 years of specialized crop insurance expertise
- Our policies are customized to meet unique agricultural needs
- We provide coverage across four states and the Pacific Northwest
- Our team combines federal program knowledge with private sector flexibility
- We focus on proactive risk management and claims support
Associations and certifications
- USDA RMA
Services
MPCI
MPCI policies protect against yield losses from natural causes like drought, excessive moisture, and disease. Coverage combines yield and price protection to safeguard revenue. Policies must be purchased before planting season.
Hail Insurance
Hail insurance provides per-acre coverage for crop damage caused by hailstorms. Policies can be purchased anytime during the growing season with customizable coverage amounts between $500-$1,000 per acre.
WFRP
Whole-Farm Revenue Protection covers all commodities under one policy, ideal for diversified farms with up to $8.5 million in revenue. Coverage levels range from 65-85% based on historical income data.
PRF
Pasture, Rangeland, and Forage insurance uses rainfall and vegetation indices to protect grazing and hay lands. Policies utilize NOAA climate data with customizable coverage periods and protection factors.
Apiculture
Apiculture insurance protects beekeepers against production risks using rainfall and vegetation indices. Covers honey, pollen, wax, and breeding stock with pilot programs administered through USDA RMA.
People
Nicole Kraft
Agent
Nicole Kraft brings 12 years of crop insurance expertise to Crop 406. She specializes in creating customized risk management solutions for agricultural producers across the Mountain West region.
Nicole Hamre
Agent
Nicole Hamre provides personalized crop insurance services from our Billings office. She focuses on helping Montana farmers navigate federal and private insurance programs effectively.
Questions
What types of crop insurance do you offer?
We offer MPCI, Hail, WFRP, PRF, Apiculture, and Livestock Insurance policies tailored to agricultural producers' needs.
How do you customize insurance policies?
We assess each client's unique risks, crops, and financial goals to create customized coverage plans that meet specific needs.
Which states do you service?
We provide coverage across Montana, Wyoming, Utah, and the entire Pacific Northwest region.
What is MPCI insurance?
MPCI (Multiple Peril Crop Insurance) covers yield losses from natural causes like drought, excessive moisture, and disease before planting.
Do you offer livestock protection plans?
Yes, we provide Livestock Risk Protection policies covering cattle and swine against market value declines.
How does hail insurance work?
Hail insurance covers crop damage from hailstorms, with customizable per-acre coverage amounts and flexible purchase timing.
