Grape Production Insurance

Last updated on July 9, 2026

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.

Production Insurance helps protect your grape operation from unexpected losses, giving you greater financial stability and confidence to plan for the future. By covering losses caused by insured perils such as weather events, Production Insurance supports your business when yields drop or vines are damaged - helping you recover faster and maintain production.
 

Application and payment deadline

  • October 31 for grapes

Types of coverage

Yield Loss 

Available on all wine and table grapes, this product offers coverage when your grape yield falls below your coverage amount due to an insured peril.

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

Plant Loss 

This option protects Plant Loss for vines when they die or are badly damaged by things like freeze, flooding or drought. Basic Plant Loss Coverage is included with Yield Loss Coverage for grapes.

  • Plant loss coverage: you can choose to protect  95% or 99% of your plants..
  • Insurable value (replacement value): choosing a higher level of plant loss coverage allows you to increase the replacement value of your plants from 80% to 100% of our posted value.
     

Young Plant Loss (Optional Plant Loss Coverage)

  • Optional add‑on coverage for first, second or third-year plantings.
  • Each years planting is purchased separately and must cover all eligible vines in each selected year.

The Young Vine product allows claims to be paid if more than 10% of the 1st, 2nd, OR 3rd year vines are lost due to an insurable peril. It does not provide additional coverage to the main Grape Vine Loss product.

  • Young vine coverage is set at 90%, with 100% replacement value (insurable value).

 IMPORTANT: Grape coverage is governed by the Grapes Policy (PDF, 675KB), which outlines coverage terms, conditions and perils.
 

 

Coverage by crop type

Crop type Yield Loss Coverage Plant Loss Coverage
Table Grapes ✅ ✅
Wine Grapes ✅
✅
 

Insured perils by coverage type

Coverage type Insured perils  
Yield Loss
  • Hail
  • Spring Frost
  • Drought
  • Flood
  • Wind
  • Landslide
  • Fire
  • Rain
  • Freeze
Grape Vine (Plant) Loss
(including optional Young Plant Loss)
  • Drought
  • Freeze
  • Landslide
  • Fire
  • Flood
Optional Young Grape Vine (Plant) Loss  Optional Grape Vine (Plant) Loss Coverage for Young Grape Vine (Plant) Loss on first, second and third year plants.

 

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 Grapes Application Package (PDF, 857KB) to become familiar with what is required.

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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

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All forms


Production Insurance for Grapes is governed by the Grapes Policy (PDF, 675KB).


The Grapes Application Package (PDF, 857KB) 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 form

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

Regional Office Phone Fax E-mail
Kelowna office:
200 - 1500 Hardy Street
Kelowna BC V1Y 8H2		 1-888-332-3352 250-712-3269 ProductionInsurance.Kelowna@gov.bc.ca
Oliver mailing address:
PO Box 857
Oliver, BC V0H 1T0		 1-888-812-8811 250 498 4952 ProductionInsurance.Oliver@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

 

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Brought to you by Sustainable Canadian Agriculture Partnership