Grain Production Insurance

Last updated on August 7, 2026

Close-up of golden-brown wheat stalks standing upright in a field, with detailed grain heads and warm sunlight highlighting their texture, with large white text reading “Grain” overlaid across the center.

Protect your farm with comprehensive Production Insurance designed specifically for grain producers. Whether you're growing barley, canola, field peas, oats, fall rye, or wheat, this program helps safeguard your operation against unpredictable weather and production shortfalls.


Application and payment deadline

  • April 30 for grain including barley, canola, field peas, oats, fall rye, wheat

 

Types of coverage

Yield Loss 

Available on all grain crops (barley, canola, fall rye, field peas, oats, wheat). This product offers coverage when you harvest less grain than you've insured.

  • Production loss coverage: you can choose to protect 50% (minimum), 70% or 80% of your probable yield.
  • Insurable value (replacement value): Selecting a higher level of production loss coverage allows you to choose the replacement value up to 100%.

Unseeded Acreage 

Protects against inability to seed due to excessive moisture in the spring.

  • Production loss coverage: you can choose to protect 80% or 90% of your acres.
  • Insurable value (replacement value): you can select a replacement value of 80% or 100%.

Reseeding Indemnity 

To qualify, you must be able to seed the same or another crop before the seeding deadline.

  • Reseeding coverage: 80% of the full replacement value of unseeded insurable value.

Spot Loss 

Optional extra coverage for localized hail or fire damage to grain crops.

Grain Basket Option

A single-policy option to insure multiple grain crops together, allowing production in one crop to offset losses in another - enhancing protection and reducing cost.

  • Production loss coverage: you can choose to protect 80% or 90% of your acres. No one crop can exceed 75% of total acres.

IMPORTANT: Grain coverage is governed by the Grain Policy (PDF, 1.1MB), which outlines coverage terms, conditions and perils.
 

 

Coverage by crop type

Crop type Yield Loss Coverage Unseeded Acreage Coverage Reseeding Indemnity Spot Loss Grain Basket Option
Barley ✅ ✅ ✅ ✅ ✅
Canola ✅
✅
 ✅ ✅ ✅
Fall rye ✅
✅
 ✅ ✅ ✅
Field peas ✅ ✅ ✅ ✅ ✅
Oats ✅ ✅ ✅ ✅ ✅
Wheat ✅ ✅ ✅ ✅ ✅
 

Insured perils by coverage type

Coverage type Insured perils  
Yield Loss
  • Hail
  • Frost
  • Drought
  • Excessive moisture, including flooding
  • Wind
  • Uncontrollable insects
  • Fire
  • Uncontrollable diseases
  • Rain
  • Snow
  • Freeze
  • Uncontrollable wildlife
  • Uncontrollable water fowl
Unseeded Acreage  Payment issued for your inability to see Grain before June 6 because of excessive ground moisture
Reseeding Indemnity  Crop is damaged by a Yield Loss Peril before June 6 
Spot Loss Payment issued for a reduction in yield caused by hail or fire
Grain Basket Option Payment issued for a reduction in yield of Grain caused by a Yield Loss Peril

 

Steps to insure your crops

To get Production Insurance, you will need to complete an application that includes details about your farm history, field and land inventory (including maps), and your tax reporting information. Review the Grain Application Package (PDF, 3.1MB) to become familiar with what is required.

Expand All | Collapse All
 

1. Book an appointment

Applications are not just "fill-and-submit". A representative will walk you through the application, coverage levels, and deadlines. 

 

2. Complete the application

During your appointment, you will:

  • Fill out the application forms with your program representative
  • Identify the crops you need to insure
  • Review coverage options
 

3. Pay premiums

Premiums are cost-shared up to 80% with the provincial and federal governments - making coverage more affordable for you!

  • Pay your premiums by the application and payment deadline to ensure your coverage is set for the season. Coverage cannot be purchased after the start of the crop year.

Once you have signed up for Production Insurance, you will receive an updated Offer Package every year; 30 days before the start of the crop year. Learn more about the Production Insurance renewal process.

 

When to file a claim

Submit a Notice of Loss as soon as damage is observed. Perils, coverage conditions and exclusions are outlined in the Policy Wording.

How to file a claim

 

Forms

Expand All | Collapse All
 

All forms


Production Insurance for grain is governed by the Grain Policy (PDF, 1.1MB).


The Grain Application Package (PDF, 3.1MB) includes all of the following:


A Declaration of Production (DOP) is needed at the end of your production cycle and  also when submitting a claim.

 

How to download printable/fillable PDF's

Right click on the file and select the download link or attachment option

  1. Choose a save location
  2. Wait for the download to complete
  3. Open the downloaded document from where you saved it
  4. Fill in the required information
  5. Submit your form

 

How to submit your application and forms

The application package and forms can be submitted to Production Insurance by mail, email or fax.

Regional office Phone Fax E-mail
Dawson Creek office:
4th floor, 1201 103rd Avenue
Dawson Creek, BC V1G 4J2		 1-888-221-7141 250-784-2299 ProductionInsurance.DawsonCreek@gov.bc.ca
Fort St. John office:
3rd Floor 10003 110th Avenue
Fort St. John, BC V1J 6M7		 1-888-822-1345 250-787-3299 ProductionInsurance.FtStJohn@gov.bc.ca

Need Help? Contact us! Program Representatives are available to answer questions, help with forms and support the application process.

 

Explore other Production Insurance plans

 

Close-up view of fresh blueberries filling the frame, showing their deep blue-purple color and textured surfaces, with large white text reading “Berries” overlaid across the center.

Close-up of colorful tulips in various stages of bloom, including a prominent orange and red flower surrounded by green stems and unopened buds, with large white text reading “Flower Bulbs” overlaid across the center.

Close-up of a lush field of green forage plants with clusters of small purple flowers scattered throughout, set against a softly blurred background of similar vegetation, with large white text reading “Forage” overlaid across the center.

Close-up of clusters of dark purple grapes hanging on the vine among large green leaves, with sunlight filtering through the foliage, and large white text reading “Grapes” overlaid across the center.

Close-up of ripe peaches hanging from a tree branch among long green leaves, with warm sunlight highlighting the fruit’s yellow and reddish tones, and large white text reading “Tree Fruit” overlaid across the center.

Close-up of assorted root vegetables, including orange, purple, and white carrots along with beets, one sliced to show a red and white ring pattern, arranged closely together, with large white text reading “Vegetables” overlaid across the center.

Brought to you by Sustainable Canadian Agriculture Partnership