Insurance product associated with risk management on the application of crop inputs

A method for managing a crop of a grower, the method comprising:

• determining a crop input plan by a planning module of a data processing system, the crop input plan comprising a grower compliance requirement for a crop risk insurance policy requiring a grower to comply with a qualified crop input plan for a particular crop in the field, the crop input plan defining application of nitrogen consistent with a preferential rate and temporal time window;
• measuring a first yield per land unit area of the particular crop in a field by a sensor of a harvester or a combine, wherein the harvester or the combine is operable to harvest the particular crop and comprises a path of crop flow, wherein the sensor comprises a moveable member mounted to the harvester or the combine in the path of crop flow, wherein the moveable member is operable to be displaced by a flow of the particular crop in the path of crop flow, wherein an amount of displacement of the moveable member corresponds to the first yield of the particular crop;
• estimating, by an estimator of the data processing system, a second yield per land unit area of the particular crop in a geographic area, the geographic area covering a greater area than the field and representative of soil characteristics and climate associated with the field;
• detecting a moisture level and a nitrogen level of soil in the field by one or more sensing stations deployed in the field, the sensing stations storing detected sensor data of the levels in data storage until communicated by wireless transmission to at least one of the data processing system and work vehicle electronics of the harvester or the combine after interrogation or polling of the sensing stations;
• the data processing system determining whether the measured first yield per unit land area of the particular crop in the field is less than the second yield per unit land area, where a right of payment by an insurer is contingent upon the first yield per land unit area of the particular crop in the field being less than the second yield per land unit area by more than a threshold amount and compliance by the grower with the crop risk insurance policy;
• and
• alerting the grower and the insurer by the data processing system if the detected nitrogen level or moisture level in the field falls below a minimum reference level that complies with the crop risk insurance policy, where the data processing system comprises an electronic data processor coupled to a data bus.