Precision crop insurance developed by Aon and agricultural risk intelligence company SAGE will be available to corn and soybean growers in 15 US states for the 2027 crop year. The program, announced on October 29, 2026, is designed to supplement federal crop insurance with coverage based on risks at the individual field level.

Key Takeaways

  • Aon and SAGE are working with agricultural insurer AgriCap on the 2027 program.
  • A four-county Michigan pilot is testing the approach across more than one million agricultural acres.

Precision crop insurance and field-level risk

Aon and SAGE’s program announcement says the coverage is intended to match the value being protected and the underlying risk more closely at the field level. AgriCap is the preferred insurance partner.

Federal crop insurance covers nearly 90% of US corn and soybean acreage and is priced using average county risk, the companies said. Field-level assessments are intended to account for differences within a county, although the announcement did not specify premiums or policy terms.

How the Michigan pilot works

The program is being tested through a pilot developed by the Resilience in Agricultural Lending and Insurance Coalition, with partial funding from the Michigan Department of Agriculture and Rural Development. The pilot covers more than one million agricultural acres, or approximately 12% of Michigan farmland.

SAGE’s AI models combine information about soil, water, weather and human interaction to identify patterns of risk and resilience. Aon contributes data and analytics to help turn those insights into insurance solutions and connect them with capital.

Availability and sign-up

The companies said the program will be available in 15 states for the 2027 crop year, but did not name those states in the announcement. The initial offering is for corn and soybean growers; expansion to other crops and regions is an intended longer-term goal, not a confirmed rollout.

Next milestone

The companies identified spring 2027 as the program’s sign-up period.

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