How Does RSA Customize My Policy?

Your operation is unique, and your Pasture, Rangeland, and Forage (PRF) coverage should be too. By insuring your land through Redd Summit Advisors, you can be assured that your policy is proven to perform well historically on your acreage and maximize your potential indemnity. Here’s how it's done:

1. Mapping: ‍

The first step to your policy customization is a map of your land. RSA’s in-house GIS team uses the information that you provide about your land in addition to public data to accurately map your acreage and identify which grids* it falls into.

2. Grid Analysis:

‍Once your grids are identified, your agent uses industry-leading software to evaluate how each of your grids would have performed with a PRF policy over the last 20 years. This allows them to pinpoint the grids on your land that would have consistently triggered indemnities for your operation.

3. Interval Analysis:

‍With your highest-performing grids pinpointed, the next step is determining which intervals** would have triggered indemnities most often over the last 20 years. Again using industry-leading software, your agent analyzes the 70-year rainfall data of your land’s grids to target intervals that would have consistently triggered indemnities through a PRF policy in the past, and will likely continue to do so in the future.

4. Policy Generation:

‍With your high-performing grids and their coinciding intervals identified, your agent uses RSA’s software to generate millions of coverage possibilities for your operation in a matter of minutes. They can then determine which policy (grids, intervals, acreage, etc.) will perform best on your operation and accommodate your personal risk tolerance.

*All land in the United States is divided into 13x17 mile grids.

** PRF insurance is divided into 12 two-month intervals throughout the year (i.e Jan.-Feb., Feb.-Mar., Mar.-Apr., etc.)