Agricultural producers are accustomed to adjusting to difficult weather. If particularly bad weather strikes, ruined crops can devastate farm budgets. Insurance helps producers manage their risk of crop losses caused by hail, spring frost, excessive rain, flooding, drought, etc. Here are the benefits of buying production insurance coverage:
- It’s affordable. The minimum coverage provides protection against disasters for a low cost.
- It’s flexible. A variety of options allow tailored insurance coverage to meet operational needs.
- It’s efficient. Quick claim settlements mean that cheques are sent within 30 days of confirmation and measurement of loss.
The following crops are insurable. Each crop has different coverage options.
- Berries - blueberries, blueberry plants, cranberries, raspberries, strawberries and strawberry plants
- Flower bulbs - daffodil bulbs, tulip bulbs
- Forage - grass, legumes, greenfeed and silage corn
- Grain - canola, wheat, barley, oats, field peas, rye, forage seed (spot loss only)
- Grapes - wine grapes, table grapes
- Tree Fruits - apples, apricots, peaches, pears, plums, cherries
- Vegetables - beans, beets, broccoli, Brussels sprouts, cabbage, carrots, cauliflower, fresh market corn, lettuce, onions, parsnips, peas, potatoes, rutabaga
Representatives will help create an insurance package that suits a variety of operations and financial situations.
How to Apply
Each crop has a different application and payment deadline. Give enough time before the deadline to gather the information needed and send the completed schedules to the Production Insurance office.
Insurance coverage will be based on the information provided.
To renew an insurance policy, make an appointment with a Production Insurance representative before the application deadline and be prepared to declare crops, land and details of the farm operation.
If damage is suspected file a Notice of Loss (NOL) immediately. File a Notice of Loss each time there is suspected crop damage.
Phone, fax, email, mail, or drop off the Notice of Loss to the closest Production Insurance office. Please contact us if you haven’t received a confirmation letter within two weeks.
An insurance adjustor will then inspect the crop to determine the loss. It’s important to not put the crop to another use (like grazing, tilling under, removing, etc.) until an adjustor has visited the farm operation.
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