How Production Insurance works

Last updated on July 9, 2026

Close-up of evenly spaced rows of bright green leafy crops growing in dark soil, forming parallel lines across a cultivated field, with large white text reading “How Production Insurance Works” overlaid across the lower portion of the image.

Production Insurance helps B.C. farmers manage the financial impact of crop losses caused by extreme weather and other insured perils. It provides coverage so you can plan with confidence and recover faster after a loss. Affordable protection, with flexible options and fast claims!

Steps to insure your crop

        Insurable crops         

     When to file a claim      


Affordable protection
Premiums are cost shared to keep coverage accessible for all producers.


Flexible options
Choose coverage that is tailored to your crops and your risk tolerance.


Fast claims
Payments are issued within 30 days after loss confirmation and measurement.

How your coverage and options are determined

The details you provide about your farm operation helps determine the coverage available to you. Your coverage options allow you to customize the level of production loss and the the replacement value of your crop.
 

Farm production history

​Your historical production data is used to calculate your probable yield per acre, forming the foundation for your coverage level.

Production loss coverage and deductible options

Minimum production loss coverage of 50% is available for all products, with up to 90% coverage available on some crops. This allows you to select the deductible and coverage level that best fits your business and risk tolerance.

Insurable value (replacement value)

You can choose to increase the replacement value of your crop - up to the maximum insurable value determined for each crop. Higher replacement values are available when the higher production loss coverage level is selected.

Steps to insure your crops

Eligible producers in B.C. who are growing an insurable crop - including berries, flower bulbs, forage, grain, grapes, tree fruit and vegetables - can apply, provided they meet crop-specific application and payment deadline. Production Insurance is available to all operation sizes and farm types.

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Eligibility

You may be eligible if you:

  • Are an agricultural producer in B.C. with one or more insurable crops
  • Submit your application by the application deadline
  • Submit your payment by the crop‑specific deadline
 

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 - each crop type has coverage amounts specific to that crop
 

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.

 Insurable crops and application & payment deadlines

Each coverage type has it's own application and payment deadlines specific to the crop. The crop year begins the day after the application and payment deadline. Production Insurance is not available after the crop year begins.

Coverage type Deadlines Insurable crops
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.

Mar 31


Oct 31

Strawberry crops


Blueberry, cranberry and raspberry crops, and strawberry plants
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. Oct 31 Tulips and daffodils
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.

Apr 30


Nov 30

Silage corn and forage spring plantings


Grass, greenfeed, legumes, perennial forage
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. Apr 30 Fall rye, barley, canola, field peas, oats, wheat
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. Oct 31 Table grapes and wine grapes
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. Nov 30 Apple, apricot, peach, pear, plum, sweet cherry
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. Mar 31 Beets, cabbage, carrots, fresh market corn, onions, parsnips, rutabaga, shallots, potatoes (elite seed 1, 2 and 3, nugget and non-nugget), process vegetables (beans, broccoli, brussels sprouts, cauliflower, peas)

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

 

Need help?

Call us at 1-888-332-3352  to speak to a Production Insurance Representative, or visit your local Production Insurance office to discuss the best coverage for your operation.

 

Explore other Agriculture Risk Management Programs

Many producers combine Production Insurance with other Agriculture Risk Management Programs such as AgriStability and AgriInvest to strengthen overall financial resilience.

AgriStability

Low-cost, flexible program that provides financial support when your income drops below a certain threshold.

Livestock Price Insurance

Safeguard your income from unexpected drops in livestock prices, offering peach of mind during market volatility.

Agriculture Wildlife Program

Receive compensation for crop and livestock losses caused by wildlife damage, helping to minimize the impact of these uncontrollable factors

AgriInvest

A savings account that helps you manage small income declines and invest in projects to strengthen your farm's financial resilience.

 

Sustainable Canadian Agriculture Partnership, BC and Canada locked logo

 

Contact information

Kelowna Toll Free
1-888-332-3352
Kelowna
ProductionInsurance.Kelowna@gov.bc.ca
Production Insurance
htps://www.gov.bc.ca/CropInsurance