Vomitoxin in the Corn: Call your agent or office immediately if you discover vitomoxin in your corn. If hauling directly to town, be sure to have the elevator hold a sample if the load has vomitoxin with level 5.1 parts per million or higher. A notice of loss must be submitted to be eligible for a quality loss. Elevator samples must be picked up by an adjuster.

Initial and Final Plant Date Maps

Maps are now available for the final plant dates in Illinois, Indiana, Ohio and Wisconsin.

Emergency Relief Program Phase Two

In January the USDA announced additional details about the Emergency Relief Program (ERP) Phase Two. This federal program offers direct financial assistance for producers affected by natural disasters in 2020 and 2021 through the Farm Service Agency (FSA).

Indiana's Cover Crop Premium Discount Program

For the third year, the Indiana State Department of Agriculture has the unique opportunity to provide a cover crop premium discount program in collaboration with The Nature Conservancy and USDA-Risk Management Agency (RMA).

Interest Deferral on Crop Insurance Premiums

Farmers and ranchers are facing widespread drought conditions in many parts of the country, causing catastrophic damage to crops. The USDA Risk Management Agency (RMA) has announced flexibilities to help farmers through these challenging times.

Prevented Planting

We know it has been a wet spring, and with that thought in mind, we wanted to provide the answers for our clients to some frequently asked questions regarding crops with prevented planting coverage.

Cover Crop Program

The Pandemic Cover Crop Program (PCCP), offered by USDA’s Risk Management Agency (RMA), reduces producers’ overall premium bills and helps them maintain their cover crop systems.

PACE Program

The PACE program provides insurance for conservation-minded corn farmers who split-apply nitrogen fertilizer.

Important Dates

Review crop, plan, sales closing, final planting, acreage reporting and billing for the states we serve.

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Emergency Relief Program Phase Two Resources

ERP Phase Two Highlights

  • What’s Covered: ERP Phase Two payments cover crop losses to crops, trees, bushes, and vines for commodity and specialty crop producers affected by natural disasters including wildfires, droughts, hurricanes, winter storms, and more during eligible calendar years.
  • How Payments are Calculated: Phase Two payments target producers not included in Phase One payments, who had production and quality losses that resulted in a decrease in gross revenue. This, taken into account with other federal program payments, determines up to a maximum initial payment of $2,000.
  • Eligibility: Eligible producers must have suffered a loss of an eligible crop due to a qualifying disaster event that occurred in the 2020 or 2021 calendar year and resulted in a decrease of allowable gross revenue.
  • Applications: FSA is accepting applications for ERP Phase Two now through June 2, 2023. Refer your customers to their FSA county office for next steps.

USDA Disaster Program Resources

Disaster Assistance Tool – Producers can answer five, quick questions to learn about qualifying disaster programs.

FSA Overview on New Programs – Includes more details on ERP Phase Two and the Pandemic Assistance Revenue Program as well. 

ERP Phase Two Fact Sheet – Details on the program in this FSA Guide cover eligibility, payments, and other requirements.

ERP Phase Two and PARP Comparison Fact Sheet – A side-by-side comparison of details on each program.

Prevented Planting in 2022

We know it has been a wet spring, and with that thought in mind, we wanted to provide the answers for our clients to some frequently asked questions regarding crops with prevented planting coverage. If you’re a current client with questions regarding this information, please see the details on our website and view the digital version of the Prevented Planting letter you should have received in the mail!


  • As a reminder, the final plant date (FPD) for corn is June 5th. The FPD for soybeans is June 20th.
  • There are three options if you are prevented from planting by the FPD due to an insurable cause of loss.
  • Notice of prevented planting must be submitted within 72 hours after the FPD or within 72 hours of determining that planting will not happen within the LPP.


The Importance of Your Farm Maintenance

Is your farm winterized? Do you have a safety checklist or a maintenance schedule? If not, here are some reasons you should.


Farm Maintenance and a Contingency Plan


No one wants to think about the risks associated with managing a farm, its crops, and its livestock. It’s hard work! However, creating a maintenance schedule is an essential part of being prepared and ensuring you don’t lose money, have a machinery breakdown, or hurt yourself. One of the major parts of a contingency plan is having crop insurance. If you aren’t already covered or would like to discuss strategies, make sure to give Wathen Insurance a call at 765-676-9666 so we can discuss your needs.

Farm maintenance also begins by winterizing your farm.


Winterizing Your Farm


Preparing for winter on the farm begins long before the cold weather hits.

  1. First, get organized. Some farmers find it helpful to create a list of everything that needs to be done before winter. Walk around your farm with a notepad and clipboard and make notes of everything from livestock to equipment to gardens, and more.
  2. Another part of organizing this to-do list is to figure out which things on that list get first priority. You can list them in order from most time consuming to least. You can list them from most expensive to least. You can list them in order of importance. There really is no way to make a list wrong. The most important part of the process is getting a handle on everything that needs to be winterized.

Categories of Winterization

Now that you have your list, you can break down that list even further.


For Livestock Farmers:


Make sure appropriate housing is prepared for the animals and create a management solution for the cold months. Think of the days that will be short on light, but heavy on snow. Think of freezing rain, snow, and ice, and anything else that might impact your ability to care for the animals daily. This includes making sure the animals always have access to water that isn’t frozen.

Farm maintenance is extra important for your farm critters. Clean and put away tools and equipment. Winterize animal shelters and ensure proper ventilation. And finally, stock up on all supplies you might need in the case of a snow emergency, like extra feed and bedding materials.


For Crops and Farm Maintenance:


Most importantly, maintain your crop insurance policy during the winter months. This is one of the most crucial times of the year to remain safe and secure. Get ready to sow your fall crops at this time (if the timing is appropriate), as well. It’s best if you test your soil in the fall to ensure it’s ready for the cold months ahead.

Also, it’s time to put away all equipment and machinery, like irrigation hoses, or tractors. Clean and put away all your tools for the season. Find all your shovels, ice scrapers, and any other equipment that helps with snow removal and make sure it’s all in working order. Also, now is the time to perform some routine maintenance on farm equipment. Check that your snowblower is ready to go. Also, check vehicles and tractors, and replace any worn or leaking hoses and plugs. One last tip, put your plow on your truck before a snowstorm hits.

The best feeling is knowing you’re prepared, safe, and secure all winter long. Crop insurance and effective farm maintenance allow you to cozy up by the fire and enjoy the cold season ahead.

Prevented Planting

We know it has been a wet spring, and with that thought in mind, we wanted to provide the answers for our clients to some frequently asked questions regarding crops with prevented planting coverage.

Client FAQs

I’d like to get some value out of those PP acres. I’ll at least have to do something to control weeds. What actions can I take or what other crops can I plant on the PP acreage?

  • There are pretty strict limitations on PP acreage as far as trying to get other value out of those acres. If you want to preserve your full PP payment, it’s black dirt or cover crop only.
  • If you plant a second crop during the LPP of the PP crop there is NO PP payment.
  • If you plant a second crop after the LPP of the PP crop, the PP payment is reduced to 35% of what it would have been. Exceptions to this rule may apply for producers in a double crop area, who have a history of double cropping.

Can I plant a cover crop on the PP acres?

Cover crops may be planted and may be hayed, grazed, cut for silage, haylage, or baleage at any time without impacting the PP payment. However, cover crops cannot be harvested for grain or seed without impacting any potential PP payment. Please note that Corn will not be considered a cover crop on PP acreage. See table below to see how cover crops or volunteer crops may impact PP payments.

Can I rent my PP acreage to my neighbor who wants to plant a cover crop to hay/graze/cut for silage, haylage, or baleage?

Yes. Beginning with 2022 spring crops, it’s now okay to rent to your neighbor for those purposes. Keep in mind, though, that they cannot harvest for grain or seed without impacting any PP payment.

Will my APH database be impacted when I claim and qualify for a PP payment?

The APH database will suffer a yield reduction, but only on acreage where the payment was reduced to 35% because a second crop was planted. Those are the only PP acres that will show in the database and the yield they receive is 60% of the approved yield. PP acreage paid at 100% of the PP guarantee does not impact the APH database at all.

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12 months ago
Wathen Insurance

Did you know Indiana’s budget bill was recently revised to drop funding previously set aside for Career Technical Education (CTE), including Ag education? With labor already being one of the largest issues for those in the industry, growth of skilled workers could be an upcoming problem. www.watheninsurance.net/ag-education-programs-in-indianas-high-schools-may-be-negatively-impacted... ... See MoreSee Less

Did you know Indiana’s budget bill was recently revised to drop funding previously set aside for Career Technical Education (CTE), including Ag education? With labor already being one of the largest issues for those in the industry, growth of skilled workers could be an upcoming problem. https://www.watheninsurance.net/ag-education-programs-in-indianas-high-schools-may-be-negatively-impacted-by-budget-bill/

Farm Bill Programs

2021 Information

2022 updates coming soon!

Our Story

The Wathen Family Agency

Wathen Insurance was started in the fall of 1982 by Tom and Joyce Wathen. While running a corn and soybean farming operation themselves, the opportunity to help other producers with their risk management decisions was very intriguing and appealing to Tom and Joyce. With a great deal of Passion and genuine interest in their policyholders the Wathen agency grew beyond their expectations, which provided the next generation of the Wathen’s an opportunity to join the business.

Keeping the business in the family provides for excellent quality control while affording attention to detail. We look forward to providing personalized service for our customers in the pursuit of continued success and who knows maybe our next generation will build upon what we started. Thanking you all for our continued success and wishing you a most prosperous year!



It takes commitment to continually work to improve relationships amid the distractions of life and the work on a farm.

Federal Programs

Margin Protection Program

Margin Protection is a crop insurance coverage option that provides producers with coverage against an unexpected decrease in their operating margin caused by: Reduced county yields Reduced commodity prices Increased price of selected inputs Any combination of the…

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PRF Program

PASTURE, RANGELAND, FORAGE The Risk Management Agency (RMA) Pasture, Rangeland, and Forage (PRF) Pilot Insurance Program is designed to provide insurance coverage on your perennial pasture, rangeland, or forage acres. This innovative pilot program is based on…

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Area Yield Protection

Area Yield Protection (AYP) is designed as a risk management tool to insure against widespread loss of production of the insured crop in a county. AYP is primarily intended for use by those producers whose farm yield tend to follow the average County Yield. AYP is…

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Area Revenue Protection

Area Revenue Protection covers against loss of yield due to county production loss and loss of revenue due to a county level production loss, price decline, or combination of both.

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Yield Protection

Yield Protection (YP) and Actual Production History (APH) are multiple-peril crop insurance products that provide protection against losses in yield due to nearly all natural disasters.

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Revenue Protection

Revenue Protection (RP) and Revenue Protection with Harvest Price Exclusion (RPHPE) are multiple-peril crop insurance products that are based on the Commodity Exchange Price Provisions (CEPP) prices and protects against production loss, price decline or increase, or a combination of both.

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Supplemental Coverage Option

The Supplemental Coverage Option (SCO) is a county-level revenue-based or yield-based optional endorsement that covers a portion of losses not covered by the same crop’s underlying crop insurance policy.

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Enhanced Coverage Option

Similar to the Supplemental Coverage Option (SCO), the Enhanced Coverage Option (ECO) is a new crop insurance option that provides additional area-based coverage for a portion of the underlying crop insurance policy deductible.

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Livestock Risk Protection (LRP)

Livestock Risk Protection is designed to protect against declining market prices. A variety of coverage levels and insurance periods are offered that match the time the livestock would normally be marketed.

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Livestock Gross Margin (LGM)

Livestock Gross Margin Insurance provides protection against the loss of gross margin (market value of livestock, or livestock products, minus feed costs). LGM uses futures prices to determine the expected gross margin and the actual gross margin. The price a producer actually receives at market is not used in these calculations.

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Private Programs


Revenue Accelerator Max Protection [RAMP] allows producers the opportunity to boost revenues at specific risk levels within their risk management plans. RAMPS supplements the insured’s MPCI coverage and is designed to help provide additional coverage for when…

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Crop Hail

Most hailstorms last three to five minutes. In that time, Mother Nature can deal a crushing blow to your crops, your profits, and the future of your farming operation. Remove that risk today with Crop Hail coverage from Farmers Mutual Hail. Crop Hail coverage provides…

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Replant Option (RO) provides the opportunity for an insured to supplement any replant payment received under the Multi-Peril Crop Insurance (MPCI) policy. RO may be sold in conjunction with MPCI coverage. 

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Wind with Extra Harvest Allowance is an optional Crop Hail endorsement that provides coverage for wind, green snap, and extra harvest expense for corn that has blown down due to wind damage. It covers ears that cannot be recovered because of flattening, bending, or breaking of the stalk.

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Band Coverage

At its core, BAND Coverage is a risk management tool that protects against shallow losses and provides reliable input cost recovery. A lower deductible translates to a higher trigger for the producer’s indemnity, providing support exactly when it is needed.

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Revenue Boost

Revenue Boost is a supplemental policy that pairs with most MPCI plans to provide higher coverage and protection to insureds. Want to protect more margin and build a stronger risk management plan? Ask your agent today about Revenue Boost.

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Wathen Insurance

5969 State Road 236
North Salem, Indiana
(800) 564-4088

Office Hours

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