The main private product that most people understand is hail insurance, but there's Global AG Risk Solutions, and another one called Agi3. They are variations of AgriStability or revenue insurance. They work quite well at building around the current government programs. The detriment to private products, if we wanted to take away a bunch of the liability and operational risk, is that the subsidy for crop insurance that the federal and provincial governments pay is so astronomical.
If I were to give you what I would do for transformative change, I would go to a voucher type of system. I would make the provincial crop insurance companies run as subsidiaries, no different than SaskTel having to run as a subsidiary in the province of Saskatchewan and competing against Bell and Rogers. As a farmer, as I decide which insurance works best for me, I buy it. I submit my receipt, and I get the exact same subsidy whether I buy private crop insurance or whether I buy AgriStability. They wouldn't replace government insurance, but they would build products that work very well for different types of operations and different regional changes all around the government programs, and they would remove liability and improve timeliness on some of the stuff.
On top of that, I think you could really look at reinsurance diversification. The federal government could look at taking on catastrophic risk, from a reinsurance standpoint, for all of the products combined, and through that diversification would probably get significantly better reinsurance rates, for both the private companies and themselves.