About Us
ABOUT US
About Ozark Hills Ag Advisors: Nationwide USDA Risk Management Rooted in the Ozarks
A Message from the owner David Hall
“At Ozark Hills Insurance, our philosophy is simple but unwavering: We do what is best for the customer, every time. Since we first opened our doors in 2002, my mission has been to ensure that every family and business owner in the Ozarks has a licensed advocate in their corner. We don’t just sell policies; we build relationships rooted in transparency and local accountability.” — David Hall, Owner & Principal Agent
David Hall
Owner & Principal Agent
Our Legacy: Over Decades of Local Service
Ozark Hills Ag Advisors was built upon the trusted foundation of Ozark Hills Insurance, established in 2002 to serve farm and ranch communities across Missouri and Arkansas. Headquartered in West Plains, MO, our ag-dedicated division combines more than 20 years of hands-on agricultural knowledge with federal risk management specialization to serve producers nationwide.
Over the past two decades, our team has expanded to provide dedicated agricultural advisors who understand crop cycles, livestock market volatility, and climate shifts, maintaining the same producer-first philosophy that has driven our operations since day one.
Comprehensive Risk Solutions for Modern Agriculture
As dedicated agricultural risk advisors, we are not limited to one-size-fits-all policies. We represent producers directly, analyzing federal program structures and USDA Risk Management Agency (RMA) frameworks to build customized coverage strategies that minimize operational exposure and secure your revenue.
We are the go-to advisory team for specialized agricultural risk programs, including:
Pasture, Rangeland & Forage (PRF): Rainfall index-based protection safeguarding livestock grazing lands and hay cutting acreage against precipitation deficits.
Multi-Peril Crop Insurance (MPCI): Comprehensive federal protection covering row crops and yield losses caused by weather, drought, frost, insects, and natural perils.
Livestock Risk Protection (LRP): Market coverage defending cattle and swine operations against sudden downward price swings.
Specialty Crops & Apiculture: Dedicated policies for commercial fruit orchards, tree nuts, annual forage crops, and beekeeping operations.
CRP & Acreage Protection: Comprehensive liability and government-backed safety-net solutions for Conservation Reserve Program acres and transitional ground.
Whether you work with us at our West Plains headquarters or collaborate with our advisors remotely across the country, you receive the technical depth of a national risk management firm delivered with the accountability of an experienced agricultural neighbor.
Ozark Hills Insurance: Frequently Asked Questions
What is the difference between Ozark Hills Insurance and Ozark Hills Ag Advisors?
Ozark Hills Ag Advisors is the dedicated, specialized agricultural risk management division of Ozark Hills Insurance. While our parent agency handles general personal and commercial lines, Ozark Hills Ag Advisors focuses exclusively on USDA government-backed crop, pasture, forage, and livestock protection programs nationwide.
How does Pasture, Rangeland, and Forage (PRF) insurance work?
PRF coverage uses the NOAA Climate Prediction Center’s rainfall index to track precipitation within specific 0.25-degree grid locations. When precipitation falls below your chosen coverage level during designated two-month index intervals, indemnity payments are triggered automatically—no loss adjusters or damage claims required.
What perils are covered under Multi-Peril Crop Insurance (MPCI)?
MPCI is a federal program protecting row crops against destructive natural occurrences, including drought, excessive moisture, extreme heat, frost, hail, insect infestations, and plant diseases that cause yield or revenue shortfalls.
How does Livestock Risk Protection (LRP) protect cattle and swine producers?
LRP acts as a price floor for feeder cattle, fed cattle, and swine. If national cash settlement prices drop below your selected coverage price at the end of the insurance period, LRP pays the difference to offset downward market swings while allowing you to retain upside price potential.
What is Annual Forage Insurance and who needs it?
Annual Forage Insurance is a rainfall index plan specifically structured for annual crops planted exclusively for livestock grazing or mechanical harvesting (such as winter wheat, rye, or oats). It functions similarly to PRF, providing precipitation deficit protection tailored to specific growing and planting seasons.
Can Conservation Reserve Program (CRP) land be protected?
Yes. We assist landowners and producers in navigating compliance, liability, and specialized risk coverage associated with Conservation Reserve Program (CRP) acres, native grass establishments, and transitional ground management.
Does Ozark Hills Ag Advisors cover commercial fruit and tree nut orchards?
Yes. We offer specialized USDA Risk Management Agency (RMA) crop insurance policies designed for commercial fruit orchards and tree nut growers, protecting against late spring freezes, disease, hail, and unseasonal weather damage.
What insurance options are available for beekeepers and honey operations?
We provide Apiculture (API) insurance, which uses the federal rainfall index model to protect beekeepers against honey production loss and hive damage caused by drought and lack of precipitation on foraging floral sources.
Are USDA-backed agricultural insurance policies subsidized?
Yes. Federal programs such as MPCI, PRF, LRP, and Annual Forage receive premium subsidies from the federal government, significantly reducing the producer’s out-of-pocket cost for comprehensive risk management.
Can Ozark Hills Ag Advisors write coverage for producers outside of Missouri and Arkansas?
Yes. While our headquarters are in West Plains, Missouri, our advisors are licensed and equipped to structure government-backed risk management solutions, PRF grid mapping, and crop coverage for agricultural operations nationwide.