In agriculture, opportunity is often created from overcoming challenges. So when I hear people say “work for the best and prepare for the worst,” it is the American farmers and ranchers who come to mind because they characterize the optimism and resilience of the very concept, especially when it comes to overcoming severe weather.

And although many farmers and ranchers carry insurance on their crops and livestock, insurance isn’t always available for everything that can be grown or produced. For example, with many specialty crops, like vegetables and fruits, or floriculture, nurser...