Usually producers need help thinking through the pieces. They may be really good in one area, but go out of the business because they neglected another area. A big problem is getting information from an unbiased source. They found the midsouth doesn't rate crop insurance as a very effective risk management strategy. There is a need for new and better risk management products to cover the things farmers need insured.
Insurance is what farm policy is all about.
Farmers need simple, crop insurance plans so they know what they're buying. Just because you're using risk management tools doesn't mean you're managing risk. Market speculation is not risk management. Educators must find a way to reach producers who have dismissed risk management tools. Risk management is too often limited to insurance and marketing.