An insurance or warranty method protects financial interests of producers, such as farmers planting transgenic varieties of seed as a primary asset, who use proper refuges of similar but non-transgenic, secondary assets for maintaining a non-resistant pest population. Refuge acre methods, now sometimes called "refugia", as such are recently known in crop pest management, but producers have had no effective incentive and much risk in using them. That is, losses in the refuge from pests, as to cor...