Shirley Top ranked 7th in state of MN for Multi-Peril & Crop Hail Premim in 2020

Farmers Mutual Hail Recognizes Shirley Top as Top-Producing Agent

WEST DES MOINES, IA (December 30, 2020) – Shirley Top with Kozlowski Insurance Agency and Financial Services, Inc., of Luverne, Minnesota, has recently been recognized as a top-producing crop insurance agent for Farmers Mutual Hail Insurance Company (FMH).

FMH recognizes the top-producing agents in total premium each year. Top has been recognized as placing 28th in the company’s Top 50 Agents in Crop Hail Premium list. In addition, Top ranked 7th in the state of Minnesota for combined Multi-Peril Crop Insurance (MPCI) and Crop Hail premium in 2020 with FMH.

2021 will mark 34 years in the crop insurance business for Top. She says the most important part of her job is working with clients, helping them understand their options, and assisting clients in weather and price-related claims. “I love working with farmers,” she added. “I help them assess their needs, go through options with them, and then let them decide what is best for them.”

She also explained why the price product Revenue Accelerator Max Protection (RAMP), a product exclusive with Farmers Mutual Hail, continues to be one of the most popular coverage options she provided this past year.

“RAMP once again paid losses in 2020 for those who chose the 85-95 percent trigger band to add over their MPCI coverage. A great feature of RAMP is how farmers can choose to cover crops on an optional unit basis, even if they have enterprise units on their MPCI coverage,” she said. “Seventy-eight percent of my farm clients chose RAMP with an 85-95 percent trigger band to add over their 80 percent or 85 percent MPCI coverage in 2020.”

In addition to RAMP, Top is excited to talk to farmers about the new federal crop insurance option in 2021, Enhanced Coverage Option (ECO). ECO provides additional area-based coverage for a portion of a farmer’s underlying crop insurance policy deductible.

About FMH

Headquartered in West Des Moines, Iowa, FMH has served America’s farmers since 1893 with a combination of financial strength, personal service, and Midwestern values. A leader in the crop insurance industry, the company has been managed by the same family for over 125 years and has a reputation of building lasting relationships that benefit their employees, business partners, and customers. FMH provides comprehensive risk management solutions, including private and federal crop insurance, reinsurance products and services, as well as farm and ranch insurance that includes auto, property, and liability coverage. Learn more at