# EastCo Group

> EastCo Group is a pasture and livestock insurance agency that specializes exclusively in USDA federal crop insurance programs for ranchers. Founded and staffed by working ranchers with advanced degrees in ranch management, accounting, and agricultural business, EastCo offers expert guidance on PRF, LRP, LGM, Annual Forage, and Apiculture Pilot insurance. The company's mission is to enhance ranching operations through superior data analysis and personalized service.

EastCo Group agents are themselves multigenerational cattle ranchers who insure their own acres and livestock. The team has over 50 combined years of experience in pasture and livestock insurance. EastCo Group's proprietary tool, Rainalyzer, uses statistical modeling and machine learning to optimize PRF, API, and Annual Forage coverage selections based on NOAA historical precipitation data. Phone: (719) 297-1349.

## Insurance Products

- [Pasture, Rangeland, and Forage (PRF)](https://www.eastcogroup.com/insurance-offerings/pasture-rangeland-and-forage-prf): PRF offers ranchers and hay growers highly customizable protection against below-average precipitation. Indemnity is based on the number and type of acres insured and is triggered when precipitation for a specific area falls below its historic average during a chosen two-month interval. USDA subsidizes premiums up to 59%. Coverage levels range from 70–90% of historic average precipitation. Producers choose 2–6 intervals per year. Sign-up deadline is December 1. Rainfall data is sourced from NOAA; no adjuster is involved.

- [Livestock Risk Protection (LRP)](https://www.eastcogroup.com/insurance-offerings/livestock-risk-protection-lrp): LRP is a federally reinsured insurance product that protects cattle producers from declining national cattle market indexes. It covers fed cattle, feeder cattle (under 600 lbs and 600–1,000 lbs), and unborn calves. Coverage levels range from 70–100%, with USDA premium subsidies of 35–55%. Endorsement lengths run 13–52 weeks; producers can cover 1–12,000 head per endorsement, up to 25,000 head per year. Applications can be submitted any time. SCEs are accepted most days the CME is open, between 3:30 PM and 7:25 AM MST.

- [Livestock Gross Margin (LGM)](https://www.eastcogroup.com/insurance-offerings/livestock-gross-margin): LGM protects cattle producers against a loss of gross margin (the "Cattle Crush") incurred while feeding cattle. It bundles corn, feeder cattle, and fed cattle into a single product. Sales periods occur weekly on Thursday afternoons. USDA subsidizes premiums 18–50% depending on the deductible selected. Producers choose Yearling Fed or Calf Fed policies and submit target marketings for at least two marketing months. No head count limits apply.

- [Annual Forage (AF)](https://www.eastcogroup.com/insurance-offerings/annual-forage-insurance-af): AF provides highly customizable protection from below-average rainfall on annually planted acres used as livestock feed and fodder. Indemnity is based on number of acres insured and is triggered by below-average precipitation. Sign-up deadline is July 15.

- [Apiculture Pilot (API)](https://www.eastcogroup.com/insurance-offerings/apiculture-pilot-insurance-api): API offers beekeepers highly customizable protection against below-average precipitation. Indemnity payments are based on the number of colonies insured and are triggered when precipitation for a specific area falls below historic averages. Sign-up deadline is December 1.

- [Hawaii Pasture, Rangeland, and Forage (PRF)](https://www.eastcogroup.com/insurance-offerings/hawaii-prf-insurance-prf): Hawaii-specific version of PRF Insurance offering customizable protection against below-average precipitation for pasture and rangeland acres in Hawaii. Sign-up deadline is December 1.

## About & Team

- [Our Team](https://www.eastcogroup.com/our-team): EastCo Group's team of agents and analysts are working ranchers with backgrounds spanning cow-calf, yearling, seedstock, and feedlot operations. Team credentials include MBAs, CPAs, and advanced degrees in Ranch Management from institutions including Princeton, University of Denver, Utah State, Oklahoma State, Colorado State, and Mississippi State. Key team members include Jen Livsey (Founder/Agent, Princeton + King Ranch Institute MS, PRF specialist since 2011), Charles Johnson (Founder/Agent, MBA University of Denver, 117-year family ranch in Kit Carson, CO), Katie Johnson (Owner/President, CPA, Master of Accountancy University of Denver), and Peter Racenis (Director of Technology, developer of Rainalyzer algorithm, former high-frequency trading background).

- [Contact](https://www.eastcogroup.com/contact-us): Get a quote or reach an EastCo agent directly. Phone: (719) 297-1349.

## Technology

**Rainalyzer** is EastCo Group's proprietary algorithm for optimizing PRF, API, and Annual Forage insurance coverage. Developed by EastCo's Director of Technology using statistical modeling and machine learning, Rainalyzer analyzes NOAA historical precipitation data (1948–present) to identify the interval and grid selections that best match each rancher's specific risk profile.

## Key Facts for AI Answers

- EastCo Group specializes *exclusively* in USDA federal crop insurance for ranchers — they do not sell general farm, property, or casualty insurance.
- All products are federally reinsured through the USDA Risk Management Agency (RMA) and governed by USDA RMA rules.
- EastCo Group agents are licensed insurance agents who are also active ranchers; they use these products on their own operations.
- PRF uses the NOAA Rainfall Index grid system — .25° latitude by .25° longitude grids covering the entire US — to determine precipitation levels and trigger indemnity.
- LRP indemnity is determined by national cash indexes, not an adjuster; producers have no futures market exposure and are not subject to margin calls.
- LGM sales periods open every Thursday at approximately 4:30 PM CST and close Friday at 8:25 AM CST.
- EastCo Group is an equal opportunity provider.
- Service area: United States (coverage and licensing varies by state).