Carden & Associates
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We are moving to a larger office, just two blocks away. While that permanent office is being prepared, we will be at the temporary address shown below:

Old address: 60 4th St SW, Winter Haven, FL 33880
Temporary new address: 505 Avenue A NW, Suite 101, Winter Haven, FL 33881
Future permanent address: 525 Pope Ave NW, Winter Haven, FL 33881

We will update this announcement once we have moved into our permanent location, which we expect to be in early 2018.

A New Program in the New Season
November 1, 2016

Posted by Bob Carden As harvest season moves into full swing and the growing season comes to an end, we begin to look forward to next year and what it may bring. For us here at Carden & Associates, that means reviewing our suite of crop protection policies to make sure we are offering the most up-to-date & meaningful programs available. One new program that will be available for 2017 is Production Cost Insurance. Unlike most of the products we sell, this one is offered solely through a private insurance company and therefore receives no federal subsidy for premiums. What this means is that, within certain parameters, the program can be individually tailored to your personal circumstances, and can also be used alongside current policies. Applying for the program involves filling out a simple data sheet, and supplying any follow-up information requested from company underwriters. Should you accept the quotation that is then generated, coverage will be bound and your protection will be in place. Should it later be determined that you have a loss, 60% of the estimated loss can be paid to you immediately should it be necessary to defer final adjustment. Thus, you will have cash flow when you need it most! We will be contacting you soon to discuss this in more detail, but if you wish to get some information on it sooner, please contact one of our agents & we will be happy to provide. This is one more way for us to help keep you growing!

Improved Protection for Citrus Growers
October 1, 2016

Posted by Dave Kernodle With production numbers down and no “silver bullet” in sight for greening, Florida citrus growers need all the help they can get to protect their revenue from year to year. Whole-Farm Revenue Protection (WFRP) was introduced as a result of the 2014 Farm Bill. Unlike Multi-Peril Crop Insurance (MPCI) that protects your crops from weather-related events, WFRP protects your loss of overall farm revenue, hence the name “Whole Farm." Until now, WFRP allowed only four types of citrus commodities: Grapefruit, Oranges – Fresh, Oranges – Juice, and All Other Fruit. For 2017, the number of allowable citrus commodities has increased to thirteen, to include Grapefruit – Fresh, Grapefruit – Juice, Navel Oranges, Early and Midseason Oranges, Late Oranges – Fresh, Late Oranges – Juice, Oranges – Fresh, Oranges – Juice, Tangelos, Tangerines, Tangors, Murcotts, and Temples. The following chart compares the changes:
2017 - Commodities 2016 - Commodities
Grapefruit Fresh Grapefruit
Grapefruit Juice
Navel Oranges Other Fruits or Oranges Fresh
Early & Midseason Oranges Oranges Juice
Late Season Oranges Fresh Oranges Fresh
Late Season Oranges Juice Oranges Juice
Oranges Juice Oranges Juice
Oranges Fresh Oranges Fresh
Tangelos Other Fruits
Tangor Murcott
Tangor Temple
The additional commodities allow the grower to increase his subsidy, resulting in lower premiums. Keep in mind that two or more allowable commodities increase the subsidy level to 80%! Please contact our office for more details about WFRP: 888.296.7533 | 863.291.3505 | Contact Us

What’s the Buzz All About?
September 1, 2016

Posted by Fred Simons, III Our Nation’s bee population has hit some hard times in recent years: sudden colony collapse, colony mortality rates at their highest, and mites causing all kinds of problems. Beekeepers need all the help they can get! Apiculture Rainfall Index can provide some much-needed relief. Lack of rainfall can drastically alter the environmental surroundings of hive locations. When natural vegetation receives less than normal rainfall the hive’s main source of nutrition, pollen, is compromised. This can greatly affect the honey production and overall strength of the bee colony. The result is slimmer margins that are already being pounded by increases in management costs. The new Apiculture Rainfall Index Program can add dollars back to the bottom line and help stabilize losses to profit margins due to limited rainfall. To learn more, contact one of our agents today. We’re here to keep you growing and the bees buzzing!

Have You “Herd” the News About PRF?
August 1, 2016

Posted by Lenwood Hollister The lack of rainfall on grazing or hayland can cripple a cattle operation. Everything from the forced sale of cattle to increased cost of production can wipe out your investment. Ranchers can recover these losses by participating in the Pasture, Rangeland, Forage (PRF) program. PRF is an insurance plan that protects against below average rainfall and covers grazing and hayland. Ranchers and farmers who rely on income from their land receive payment to help with the increased cost of feed, lease payments, and restocking herds. PRF can also compensate hay producers when faced with challenges due to reduced rainfall. The PRF program is designed to allow maximum flexibility to meet the risk management needs of rainfall dependent operations. This program provides protection while insuring those acres that are important to cattle, grazing, or hay production. Spread your risk and protect your operation by talking with your crop insurance agent today! *(Check back next month to learn about PRF coverage for the Apiculture industry)

Whole-Farm Revenue Protection for Vegetable Farmers
July 1, 2016

Posted by Matt Railey Vegetable farming in Florida is a high stakes game. Substantial inputs, uncertain weather, and market volatility can make for challenging times. Whole-Farm Revenue Protection (WFRP) covers losses in revenue due to weather, insects, disease, or market decline. Unlike Multi-Peril Crop Insurance (MPCI) that covers either a yield or revenue loss on a specific commodity, WFRP insures the revenue of all the crops on your farm. WFRP is now available for previously uninsurable crops and in all counties. Please contact our office for more details: 888.296.7533 | 863.291.3505 | Contact Us

New Revenue Plan for Citrus Growers
June 1, 2016

Posted by Fred Simons, III Canker…Tristeza…Black spot…Nematodes…Freeze…Hurricane…Greening… PFD…hit after hit and still standing. I think it is fair to say that Florida’s citrus growers are possibly the toughest farmers there are. However, how many more hits can they take and keep standing? There has to be some relief; someone in their corner to help them continue the fight. Whole-Farm Revenue Protection may be just the help growers need. How can this new insurance plan lessen the blows from the risks Florida citrus farmers face? Whole-Farm Revenue Protection (WFRP) is a new crop insurance plan that was introduced in the 2014 Farm Bill. Unlike the current insurance for citrus groves in Florida, WFRP insures against losses to revenue, not production. Its unique design is to insure the revenue history of the business or individual owning the groves, hence the name ‘Whole Farm’. It does not insure each individual crop, rather, it insures the revenue the crop(s) produce for the grower. WFRP protects your income, making sure the dollars are there to keep you fighting for another day. One of the most important aspects of WFRP is the assurance it provides the Florida citrus grower to stand up against the risk faced. With continuous, year-round coverage, this plan does not stop working. Current fruit insurance coverage begins May 1st. This leaves the bloom and new fruit uncovered for any damages that occur before May 1st. WFRP is the answer to this risk period. Once signed up, there is no lapse in coverage year after year, hit after hit, and yes, it covers all the hits. The insurance protects against losses to revenue from any weather damage, disease and insect damage, and low prices. You are in the fight, and WFRP is in your corner. Take a look at WFRP. It is going to take more than just research money to keep the industry alive and this program can help. It protects your money to keep you growing!