Shirley Top recognized 6th in state of MN for MPCI & Crop Hail premium.

WEST DES MOINES, IA (January 17, 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 27th in the company’s Top 50 Agents in Crop Hail Premium list. In addition, Top ranked 6th in the state of Minnesota for combined Multi-Peril Crop Insurance (MPCI) and Crop Hail premium in 2019 with FMH.

2020 will mark 33 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,” said Top. “I help them assess their needs, go through options with them, and then let them decide what is best for them.”

She also explained one of the most popular products she provided this past year.

“RAMP (Revenue Accelerator Max Protection), a private product with Farmers Mutual Hail, proved to be a good choice again for farmers in 2019,” Top added. “Eighty-four 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 2019. Another great feature of RAMP is how farmers can choose to cover crops on an optional unit basis, even if they have enterprise MPCI coverage. Farmers are looking to RAMP to avoid burning up equity and having a chance at breaking even.”

Additionally, Top noted the service of the Farmers Mutual Hail adjusting staff.

“Our adjusting staff is amazing,” she said. “Our adjusters are timely, and they do a great job advising the farmer of their findings and calculations.”

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