What I would suggest is that we need two programs: a good crop insurance program and a NISA-style program, and that's it. An example is, in 2002 I could get $116 of coverage for $6. In 2005 I got $87 of coverage for $8.30. So the premiums are increasing substantially and the coverage is decreasing.
If we can get good coverage where we can get production insurance that will cover our costs, and with a NISA-style system on disasters, we can cut most of the paperwork out. Crop insurance is health costs shared by the farmer--your're talking about your fees--and your NISA is either matched or however you want to do it.