Weaned Calf Risk Protection

Weaned Calf Risk Protection (WCRP) is designed to offer beef cow-calf producers revenue coverage for their calves from birth through weaning. WCRP is unique among other livestock insurance plans by providing both yield and price protection. Coverage is based on the average weaning weight per calf with T-Yields available. Program projected and harvest prices are based on the CME Feeder Cattle Futures Contract and adjusted according to weight utilizing a price slide. Notice/reporting requirements and exclusions apply.
Commodity Insured

Spring born beef calves are insurable from live birth through weaning if:

  • You have a share in the calves;
  • Premium rates are available for the county;
  • Calves are a type designated in the Special Provisions and grown for the production of beef;
  • Produced using generally recognized and acceptable practices;
  • Insurability requirements are met and calves are reported on your calf report; and
  • If inspected, your livestock operation is considered acceptable by the AIP.
Insurance is available in all counties in Colorado, Nebraska, South Dakota, and Texas.
Causes of Loss

You are protected against the following:

  • Adverse weather conditions;
  • Fire;
  • Earthquake;
  • Wildlife;
  • Volcanic eruption;
  • Disease, but not damage due to insufficient or improper application of disease control measures;
  • Other causes directly damaging pastures and other forms of grazing (e.g., insects, provided acceptable control measures were followed);
  • Calf death due to a covered peril occurring during the insurance period (e.g., disease, freezing temperatures, flood, fire, hail, wildlife, etc.) provided you submit acceptable supporting documentation of calf death and the insured cause(s) of loss; or
  • For revenue protection, a change in harvest price from projected price unless FCIC can prove the price change was the direct result of an uninsured cause of loss specified in section 12(a) of the Basic Provisions.
Insurance Period

Insurance attaches to calves reported on your calf report the earlier of the:

  • Date you submit your calf report, including any revisions;
  • Calf reporting date; or
  • Final calf reporting date. 

Coverage ends at the earliest of: 

  • Total destruction of the insured calves;
  • Final adjustment of a loss;
  • Abandonment of the insured calves;
  • Putting the insured calves to an alternative use (backgrounding, etc.);
  • Sale of the insured calves;
  • The calendar date calves are weaned; 
  • Moving the insured calves to another country; or
  • The January 31 end of insurance date.
Important Dates


Sales Closing/Cancellation.................January 31
Final Calf Reporting................................August 1
Coverage Options
You may buy WCRP coverage under one of the insurance plans offered: Catastrophic Risk Protection, Yield Protection, Revenue Protection, or Revenue Protection with Harvest Price Exclusion, where available.
Unit Division
Basic Units – Includes all of your insurable calves in the county by share arrangement. For example, you own 100% share in 50 calves and a 50% share in 20 calves. In this scenario, you would have two basic units.
Coverage Levels and Premium Subsidies

Coverage levels range from 50 to 85 percent of your approved yield. Insurance premiums are subsidized as shown in the following table. For example, if you choose the 65 percent coverage level, your premium share would be 41 percent of the base premium.

Item Percent
Coverage Level
50 55 60 65 70 75 80 85
Premium Subsidy
67 64 64 59 59 55 48 38
Your Premium Share
33 36 36 41 41 45 52 62

Catastrophic Risk Protection (CAT) coverage is fixed at 50 percent of your approved yield and 55 percent of the price election. CAT is 100 percent subsidized with no premium cost to you. There is, however, an administrative fee of $655 per county, regardless of the number of head.


Assume Revenue Protection is elected and you have a 100 percent share in a unit. A general overview of the revenue protection guarantee and indemnity calculations are as follows:

Revenue Protection Guarantee
Approved Yield per Calf
Coverage Level
Production Guarantee Per Calf
Production Guarantee per Calf
Calves Reported
Total Production Guarantee
Total Production Guarantee
Greater of Applicable Projected or
Harvest Price
Revenue Protection Guarantee
Indemnity Calculation
Actual Yield per Calf
Calves Weaned
Total Production to Count
Total Production to Count
Applicable Harvest Price
Total Value of Production to Count
Revenue Protection Guarantee
Total Value of Production to Count
Where to Buy Livestock Insurance

All multi-peril livestock insurance, including CAT policies, are available from private insurance agents. A list of livestock insurance agents is available at all USDA Service Centers and on the RMA website at Agent Locator.

Customer Note: Agents may reside or have an office in one state/county, but sell and service policies in other states/counties. An agent authorized to sell livestock policies is not required to sell crop policies, and vice versa.

Contact Information

Mail Stop 0801
1400 Independence Ave. SW
Washington, D.C. 20250-0801


Website: RMA.usda.gov

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This fact sheet gives only a general overview of the crop insurance program and is not a complete policy. For further information and an evaluation of your risk management needs, contact a crop insurance agent.
The U.S. Department of Agriculture (USDA) prohibits discrimination in all its programs and activities on the basis of race, color, national origin, age, disability, and where applicable, sex, marital status, familial status, parental status, religion, sexual orientation, genetic information, political beliefs, reprisal, or because all or a part of an individual’s income is derived from any public assistance program. (Not all prohibited bases apply to all programs.) Persons with disabilities who require alternative means for communication of program information (Braille, large print, audiotape, etc.) should contact USDA’s TARGET Center at 202-720-2600 (voice and TDD). To file a complaint of discrimination, complete, sign and mail a program discrimination complaint form, (available at any USDA office location or online at www.ascr.usda.gov), to: United States Department of Agriculture; Office of the Assistant Secretary for Civil Rights; 1400 Independence Ave., SW; Washington, DC 20250-9410. Or call toll free at (866) 632- 9992 (voice) to obtain additional information, the appropriate office or to request documents. Individuals who are deaf, hard of hearing, or have speech disabilities may contact USDA through the Federal Relay service at (800) 877-8339 or (800) 845-6136.