Tree Fruit Production Insurance

Last updated on July 9, 2026

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.

Tree Fruit Production Insurance helps protect your orchard investment by providing financial coverage against yield loss, plant damage, and quality issues caused by insured perils. With flexible coverage options, including protection for trees and young plantings, it gives growers peace of mind and stability year after year.
 

Application and payment deadline

  • November 30 is the tree fruit application and payment deadline

Types of coverage

Yield Loss 
(Includes Cherry Net Production Coverage)

Available on all tree fruit, this product offers coverage when your tree fruit yield falls below your Production Guarantee 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%.

For Cherries, Quantity Coverage can be purchased based on Net or Gross production.

Plant Loss (Trees)

This option protects tree fruit plants. It covers your trees when they die or are badly damaged by things like frost, flooding or drought. Basic Plant Loss Coverage is included with Yield Loss Coverage for Tree Fruits.

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

Optional Young Fruit Tree Coverage

  • Optional add‑on to Plant Loss Coverage for first, second or third-year plantings. 
    • Claims paid if more than 10% of the 1st, 2nd, OR 3rd year plants are lost due to an insurable peril. It does not provide additional coverage to the main Tree Fruit Plant Loss product.
  • Each years planting is purchased separately and must cover all eligible trees in each selected year.
  • Growers may opt to buy any or all of the years offered.
  • Plant loss coverage is set at 90%, with 100% replacement value of your trees (insurable value).

Quality Loss 

Quality Loss Coverage allows additional hail, rain split, and wind coverage.

  • Minimum Quality Loss Coverage is included with Yield Loss Coverage for Tree Fruits, with exception of Net Cherry Coverage.
  • Additional Quality Loss Coverage may be purchased in the spring, once the crop yield is established.


IMPORTANT: Tree fruit coverage is governed by the Tree Fruit Policy (PDF, 708KB), which outlines coverage terms, conditions and perils.
 

 

Coverage by crop type

Crop type Yield Loss Coverage  Plant Loss Coverage
Apples ✅ ✅
Apricots ✅
✅
Peaches ✅
✅
Pears ✅ ✅
Plums ✅ ✅
Cherries ✅ ✅
 

Insured perils by coverage type

Coverage type Insured perils  
Yield Loss
  • Hail
  • Excessive moisture, including rainfall and flooding
  • Drought
  • Wind
  • Landslide
  • Extreme heat
  • Fire
  • Freeze
  • Snow
  • Spring Frost
  • Poor pollination due to adverse weather
  • Uncontrollable deer or elk
  

Fruit Tree (Plant) Loss Coverage
(Including Optional Young Fruit Tree Loss Coverage)
  • Drought
  • Freeze
  • Landslide
  • Excessive moisture, including rainfall and flooding in quantities sufficient to destroy the tree
  • Uncontrollable deer or elk
  • Fire
  • Wind
  • Ice or snow
  • Uncontrollable fruit tree diseases for which no known control methods exist
  • Viral diseases for which there are no known control methods
Quality Loss Coverage

 For apples, apricots, peaches (including nectarines), and pear

  • Hail
  • Wind

For plums (including prunes), sweet cherries (gross yield product only)

  • Rain that splits the skin
  • Hail 
  • Wind

 

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 Tree Fruit 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 tree fruit is governed by the Tree Fruit Policy (PDF, 708KB).


The Tree Fruit Application Package (PDF, 857KB) includes all of the following forms;


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
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.

 

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Brought to you by Sustainable Canadian Agriculture Partnership