This risk management tool insures against widespread loss of production of the insured crop in a designated area called a grid. Coverage is based on the experience of a grid rather than individual farms. Coverage under the Pasture, Rangeland, Forage (PRF) program is available for two crop types: Grazing and Haying. Losses are paid when the grid’s accumulated index, known as the final grid index, falls below the insured’s trigger grid index. Lack of precipitation is the only cause of loss covered by Rainfall Index (RI). CAT is not available. Coverage levels are available from 70%-90%, in 5% increments.