Production Insurance - Tree Fruits

Production insurance helps producers manage the risk of crop losses caused by hail, spring frost, excessive rain, flooding, drought, etc.

Tree fruit crops eligible for purchase of Production Insurance coverage include:

• Apples
• Apricots
• Peaches
• Pears
• Plums
• Cherries
• Fruit tree coverage

Additional hail and rain split coverage is available.

How to apply for tree fruit coverage

To apply, please make an appointment with a Production Insurance representative.

Review the following forms to prepare the application. These forms don't need to be filled out prior to the appointment and can be completed with the assistance of a representative.

• Application for Continuous Production Insurance (Schedule A) (PDF)
• Tax Reporting Form (Schedule A-1) (PDF)
• Land Inventory (Schedule L-1) (PDF) If the land is leased or rented, a legal lease or rental agreement must be submitted with the application.
• Farm Map(s) (Schedule L-2) (PDF)
• Warranties (Schedule W-1) (PDF)
• Tree Fruit Field Inventory (Schedule F-2) (PDF)
• Tree Fruit Land and Orchard Update (Schedule U-6) (PDF)
• Tree Fruit and Grapes: Additional Warranties and Varietal Production Information (Schedule W-3) (PDF)
• Request for Early Claim Adjustment for Hail Damaged Crops (Schedule M-2) (PDF)
• File a Notice of Loss (PDF)

* The application and payment deadline is November 30.

Renewing Production Insurance

It's recommended you contact a Production Insurance representative when it’s time to renew.

Declaration of production from the previous crop year is required as part of the renewal process. Please use the following forms to do this:

• Sweet Cherry - Declaration of Production (Schedule D-18) (PDF)
• Apple - Declaration of Production (Schedule D-20) (PDF)
• Apricot - Declaration of Production (Schedule D-24) (PDF)
• Peach - Declaration of Production (Schedule D-25) (PDF)
• Pear and Plum - Declaration of Production (Schedule D-26) (PDF)
• Permission to Abandon Crop (Schedule M-4) (PDF)

Coverage, options and premiums

After the offer is written, we'll send an Offer Statement of Premiums and Coverage (SPC), and an Options Report which details available coverage, options and premiums. Contact us for assistance in choosing coverage, options and premiums.

Yield loss coverage:

• The 50% deductible (minimum) is the lowest amount of coverage available and means over half the crop must be lost before a claim is paid. This may not be enough to adequately protect an operation and there is no opportunity to increase the insurable value of the crop.
• The 20 or 30% deductibles protect a larger portion of the crop and allows an increase in the value of coverage.
• If you choose the 20 or 30% deductible, you may elect to increase the value of the crop (up to the maximum calculated value).

Fruit tree loss coverage:

• The 5% deductible (minimum) is the lowest amount of coverage available and means 5% of the trees must be lost before there is a claim paid.
• The 1% deductible protects a larger portion of the trees.

You may elect to increase the value you are insuring trees for from 80% to 100% of the (calculated) value. The 100% (calculated) value increases the amount trees are insured for.

Tree fruit policy wording

• Tree fruit policy wording (PDF, 1.1MB)

How to pay for tree fruit coverage

Once you have chosen coverage, options and premiums please sign and submit the Offer Statement of Premiums and Coverage and Options Report(s) and payment. Pay using Debit, Visa, MasterCard, cash or cheque payable to the Minister of Finance. Credit card payments are accepted over the phone.

* For the most up-to-date and accurate information read the policy wording for the continuous specified perils Production Insurance contract for each crop.