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Understanding the 2026 Livestock Risk Protection (LRP) Changes
The RMA has released the 2026 LRP changes. We wanted to be one of the first to share the information and resources with you. See below for more details on the 2026 LRP changes as well as links to the USDA RMA announcement.
Key Updates for 2026 LRP
1. Addition of Two New Types of Cattle
Dairy cull cows have been added as a new fed cattle type; coverage is only available for a 13-week endorsement.
Unborn Calves have been added as a new feeder cattle type, available for beef/dairy crosses only sold within 2 weeks of birth. Unborn Calves are separate from the type previously known as Unborn Steers & Heifers, now known as Unborn Bulls & Heifers.
2.Expanded Definitions for Livestock Coverage
It now includes modified definitions for terms such as “livestock purchase agreement,” “marketable,” and “sold.” These revisions facilitate coverage for livestock acquired through auctions or forward contracts, broadening the scope of insurable livestock transactions.
3. Clarification of Ownership and Documentation Requirements
A “bill of sale” is now explicitly defined as a document verifying that the purchase has occurred and that livestock have been delivered to the buyer. Additionally, the policy allows ownership interest to be based on a valid livestock purchase agreement, even if the livestock are not yet in the insured’s physical possession.
4. Prohibition of Subsidy Capture Practices
The policy introduces a definition for “subsidy capture,” prohibiting practices aimed at exploiting the program for unintended financial gain. This measure ensures that the benefits of the LRP program are directed toward legitimate risk management purposes.
5. Extended Coverage Period
The termination date for LRP coverage has been extended from August 31 to September 30. This adjustment aligns with changes to premium billing dates, providing producers with more time to manage their coverage effectively.
6. Drought Hardship Exemption
Drought exemption for qualifying feeder cattle based on the Drought Monitor’s Drought Severity and Coverage Index.
Make sure to reach out to our expert agents if you want to learn more about how these changes may impact your operation.
We want to thank our team at Agrisk for this insightful look at some of the important changes to LRP for 2026!
For more detailed information, refer to the official USDA RMA Documents below;