63. Making Insurance Work Harder for Your Operation

63. Making Insurance Work Harder for Your Operation

From Your Ag Empire by Jonathon Haralson & Holly Haralson

February 18, 2026 · 18 min · Season 2 · Episode 63

About this episode

Jacob Little discusses navigating government programs and risk management for agricultural operations.

Fresh from the Empire Ag Elite Retreat in San Antonio, this episode features Jacob Little of Crop & Range Insurance delivering a masterclass on navigating the current landscape of government programs and risk management. Jacob cuts through the "alphabet soup" of the Farm Bill, offering a straight-shooting look at how changes to payment limits and entity structures can directly impact your bottom line. He also challenges producers to rethink their relationships with service providers, warning that blind loyalty in a tight margin environment is a luxury you cannot afford. In this episode, we cover: Recent changes mean members of LLCs and C-Corps now receive their own payment IDs. With the limit bumped to $155,000 per program, operations that previously capped out need to review their structure to ensure they aren't leaving valid dollars on the table. The link between crop insurance and FSA elections has been severed. If a decision makes financial sense for insurance, do it. If a different decision pencils out for FSA, do that. Treat them as separate business moves. If you run cattle and don't have a relationship with the FSA, get one. Programs like LFP (drought) often trigger…

People in this episode

Guest: Jacob Little

Topics covered

  • insurance
  • risk management
  • government programs
  • Farm Bill
  • crop insurance

Keywords

  • LLC
  • C-Corp
  • payment limits
  • FSA elections
  • LFP
  • ELAP

Mentioned in this episode

Products: Crop & Range Insurance

Places: San Antonio

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