Coverage is available to both landlords and the sharecroppers based on their respective shares of the crop. Members of an arrangement can decide independently whether to insure their own shares but may not insure the share belonging to the other member.
If you insure a share in a crop that does not belong to you and a claim results, your claim will be based on your share only and the premium on the uninsured share is forfeited.
SEO is another option for landlords and sharecroppers that allows each landlord/sharecrop arrangement to be insured under a separate insurance contract. Both the landlord(s) and sharecropper(s) jointly own the insurance contract for each arrangement.