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AgriInsurance
Farming in Canada is high tech, high cost, and highly competitive. Unfortunately, agriculture has always been an industry at the whim of weather. Drought, heavy rains, hail, frost, disease, wildlife, or even fire can quickly wipe out a growing crop or pasture, taking with it a year's worth of work and increasingly costly inputs.
Manitoba's agricultural producers will never avoid these natural perils, but they can deal with the associated financial catastrophies through sound risk-management. Insuring crops against the pitfalls of nature allows farmers to reduce their financial losses and place themselves on stable footing for the next growing season.
Manitoba Agricultural Services Corporation (MASC) offers flexible and affordable insurance to producers throughout Manitoba. Over 60 different crops are insurable through MASC, with producers able to select crop coverages at {coverage1}%, {coverage2}%, and {coverage3}% of their probable yields.
MASC AgriInsurance insures all eligible crops against production losses and most crops against crop quality losses.*
* AgriInsurance has no grade guarantees for: feed wheat and organic feed wheat, mixed grain, open pollinated corn, proso millet, native hay, or pasture.
- Overview
- Eligibility
- Costs & Coverage
- Deadlines
- Limitations
- Claims
- Procedures
- Links
Program Overview
Applying for an AgriInsurance Contract
You must have an active AgriInsurance contract to insure your crops. Applications must be made in person at your local MASC Insurance office before {application_date}. Once your AgriInsurance contract is completed and finalized, you'll receive a confirmation letter from MASC. Your active AgriInsurance contract will be automatically renewed each year until you decide to cancel it.
Program Coverage
MASC AgriInsurance provides coverage for over 60 different crops grown in Manitoba, including:
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Program Options
When applying for AgriInsurance, you can choose from a wide selection of crop and coverage options pertaining to specific crops, conditions, and more. If you've previously held a AgriInsurance contract, you should receive a confirmation package* early in the year listing your previously selected crop and coverage levels (and a 'Crop Management History' package that recaps your cropping information for up to the past 5 years). If you don't want to make any changes, the previous year's selections will remain in effect.
* If you're an insured landlord, you will not receive a Confirmation of Insurance. As a landlord, your coverage is based on what your tenant has selected.
If you wish to make changes to these crop and coverage selections, please confirm in person, by fax, or by phone before {application_date} to your local MASC Insurance office.
- Crop Coverage Plus provides coverage on a group of crops instead of an individual crop. Coverage up to 90% of probable yield is available with this option.
- Excess Moisture Insurance (EMI) (with Higher Dollar and Reduced Deductible Options) reimburses insured producers who are unable to seed their crops (by June 20) due to wet field conditions.
- Forage Establishment Insurance insures newly planted forage stands during the establishment period.
- Forage Restoration is included with Tame Hay Insurance and most forage seed crops, and insures eligible forage stands damaged or lost due to overly wet conditions.
- Forage Seed Insurance provides compensation to producers when they experience a significant production shortfall.
- Greenfeed Insurance provides coverage for losses due to natural perils on silage and non-silage greenfeed grown in Manitoba.
- Native Hay Insurance insures eligible native hay stands against production losses.
- Organic Insurance insures organically grown crops at a higher dollar value than conventionally grown crops.
- Pasture Insurance provides coverage based on tame hay insurance to compensate for loss of summer feed.
- Pedigreed Seed Insurance offers a higher dollar coverage for crops grown for pedigreed seed. The higher coverage reflects the higher costs of producing pedigreed seed crops.
- Saskatoon Establishment Insurance offers insurance to commercial saskatoon producers for saskatoon plants lost during the establishment period.
- Strawberry Establishment Insurance offers insurance to commercial strawberry producers for strawberry plants lost during the establishment period
- Tame Hay Insurance insures eligible tame hay stands for yield loss after they are established.
- Vegetable Acreage Loss Insurance provides commercial vegetable growers with basic disaster coverage for losses to vegetable crops due to natural perils.
Period of Insurance
For most insurable crops, AgriInsurance coverage begins the day you finish seeding the crop and ends the earliest of when the crop is harvested, destroyed, or the acreage is put to an alternate use.
Alfalfa seed, tall fescue seed, perennial ryegrass seed, and pedigreed timothy seed crops are insured from the date that MASC accepts the acreage for coverage.
Producer Responsibilities
- Make your crop and coverage selections before March 31st (the last day to make these changes).
- In spring, you will receive a Seeded Acreage Report (SAR) in the mail, which lists detailed information you've provided about your farm's fields. You must complete this form (including crops and varieties sown, seeded acres, dates, etc.) and return it to MASC by {sar_date}.
You may also complete your SAR online via MASC Online Services.
Note: SARs filed after {sar_date} are subject to a ${sar_late_fee} late filing fee. MASC will inspect the crop and any yield loss below coverage is not eligible for insurance. The producer pays all costs associated with these inspections.
- In fall, you must complete a Harvested Production Report (HPR), which provides MASC with information about your actual production. HPRs must be returned to MASC no later than {hpr_date} (even if the crop is not harvested by {hpr_date}).
Note: If you haven't harvested a crop by {hpr_date}, you are still required to file an HPR. Producers who fail to file on time are subject to a ${hpr_late_fee} late filing fee.
- Beginning with the 2014 crop year, any changes in EMI option selections must be made by November 30th of the prior crop year.
Eligibility
Eligible Producers
Individual producers, partners in a farming operation, corporations, landlords or tenants can hold contracts. To qualify for separate contracts, producers must be legally, financially, and operationally independent of each other.
As a landlord, your eligibility for a AgriInsurance contract depends on the terms specified by your tenant-landlord agreement. Landlords who have a crop share agreement are eligible, while those who rent part of their land as a crop share and part by cash rental may only insure land rented as a crop share. Landlords who rent all their land on a cash rent basis are ineligible for AgriInsurance. Landlords are required to provide a bonafide crop share agreement and proof of farm income to qualify for a contract.
Eligible Causes of Loss
AgriInsurance covers losses caused by:
- Drought, excessive heat, excessive moisture, excessive rainfall, fire, flood, frost, hail, wind (including tornadoes), and winterkill
- Disease and pests (if you've previously implemented appropriate control measures)
- Big game - bear, deer, elk, moose, or wood bison
- Waterfowl - ducks, geese, and sandhill cranes
Eligible Crops
Most annual crop varieties of barley, buckwheat, canaryseed, canola, carrots, cooking onions, corn, dry edible beans, fababeans, fall rye, field peas, flax, greenfeed, hemp grain, lentils, mustard, oats, parsnips, potatoes, proso millet, mixed grain, rapeseed, rutabagas, annual ryegrass seed, soybeans, sunflowers, triticale and wheat are eligible. Oats, barley, mixed grain, wheat, rye, triticale, millet, sorghum and sudan grass, grown alone or in a combination, are insurable as greenfeed.
Perennial crops that are eligible include tame hay (alfalfa, alfalfa grass mixtures, grass and sweet clover), alfalfa seed, pedigreed timothy seed, tall fescue seed, and perennial ryegrass seed.
Vegetable Acreage Loss Insurance is available for broccoli, cabbage, carrots, cauliflower, cooking onions, other onions, parsnips, rutabagas and sweet corn.
For details about specific eligible varieties, seeding deadlines, grade guarantees and insured dollar values, see the Crop Summaries page.
Costs & Coverage
Premiums
Premiums for most AgriInsurance options are shared {producer_premium}% paid by producer, {federal_premium}% paid by the Government of Canada, and {province_premium}% paid by the Manitoba Government, as part of the Growing Forward 2 Framework Agreement (Federal / Provincial / Territorial).
As a producer, your premium rate for each crop is determined by:
- the crop's designated Risk Area (a geographic region of similar climate and soils)
- your claim history, which establishes your eligibility for any premium discount or surcharge
Current AgriInsurance Rates & Coverages by Risk Area |
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Production Guarantees
AgriInsurance offers a crop production guarantee (in tonnes), including a quality adjustment for most crops. Should your actual harvest fall short of this calculated production guarantee, a claim is paid on the production shortfall (multiplied by MASC's dollar value for the specific crop).
MASC offers a production guarantee of 100 tonnes for your barley crop. Your actual harvest is only 60 tonnes. A claim is paid on the 40-tonne shortfall, multiplied by MASC's dollar value for barley (${barley::per_tonne}/tonne). 40 tonnes x ${barley::per_tonne} = $..
Production guarantees are based on a crop's designated risk area, the field's soil type, and your Individual Productivity Index (IPI). See below for more details.
A 'Risk Area' is an area of common production risk with similar soils and climates. There are currently 15 Risk Areas in Manitoba (for annual crops) and 35 Forage Designated Areas.
Soil types are classified 'A' through 'J', with the highest production yields expected in 'A' soils and the lowest expected from 'J' soils. Other contributing factors of classification include: soil properties (texture, organic matter, topsoil depth, salinity, and stoniness); climate (moisture and temperature); sensitivity to drought, flooding, and erosion; hydrology (internal drainage and surface runoff); and terrain (landforms and bedrock).
Note: A specified soil type in one Risk Area doesn't necessarily have the same productivity as the same soil type in a different Risk Area.
The Individual Productivity Index (IPI) is a 10-year rolling average that compares your historical crop yields within a specified Risk Area to other producers growing the same crop in the same Risk Area. If, on average, your production is higher than your area's average, your IPI is greater than 1. If, on average, your production is lower than the average in your area, your IPI is lower than 1.
To calculate your IPI, MASC:
- averages your production for a specific crop over the last 10-year period (with a two-year lag)
- restricts the amount by which your IPI can change in any given year (maximum of 30% increase or decrease)
- takes into consideration your previous IPI
- adjusts for losses due to hail claims or wildlife claims
- takes third-party losses into consideration
In certain cases, such as when you grow a crop of both pedigreed and non-pedigreed status, the two IPIs are combined.
Coverage Selections
MASC insures over 60 separate crops and offers coverage at {coverage1}%, {coverage2}%, or {coverage3}% coverage levels. For a full list of eligible varieties, please refer to the Crop Summaries page.
When selecting crops for coverage, you're encouraged to select the "all crops" option. This ensures you qualify for a reseed benefit and will be insured if you grow any new crops.
Note: Selecting "all crops" ensures your risk is covered for any insurable crop you decide to grow. You are only charged a premium on the crops you actually grow (e.g. if you select "all crops" but only grow grain corn, you only pay a premium to insure grain corn).
Deadlines
To ensure crops have a chance to fully mature during the growing season, MASC has established seeding deadlines based on Manitoba research for all insurable crops. To qualify for full coverage, crops must be seeded by the seeding deadline.
If you're unable to seed your crops before the seeding deadline, MASC has an extended coverage seeding period for most crops. Crops seeded during the extended coverage seeding period are still insured, but coverage is reduced by {extended_reduction}% to reflect the lower yield potential.
Seeding deadlines and dates for the extended coverage seeding period can be found on the Crop Summaries page.
| Date | Last day to... |
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| March 31st |
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| June 10th |
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| June 22nd |
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| June 30th |
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| August 15th |
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| September 30th |
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| October 31st |
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| November 30th |
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Limitations
Certain limitations apply to AgriInsurance. Please read through the coverage restrictions and uninsurable causes of loss listed below.
The following coverage restrictions apply:
- The probable yield for non-irrigated potatoes cannot exceed the probable yield for irrigated potatoes.
- To qualify for insurance, broadcast seeded crops must germinate and establish a crop that is at the insured's coverage level or higher.
- Failure to sow winter wheat into an eligible stubble crop makes it ineligible for a stage 1 claim. Eligible stubble crops include canola, rapeseed, barley, wheat, oats, mixed grain, triticale, flax, mustard, fall rye, canaryseed, ryegrass seed, tall fescue seed, timothy seed, alfalfa seed, hemp grain, sunflowers, corn, buckwheat, tame hay (alfalfa, alfalfa/grass mixtures, grasses, sweet clover), borage, millet, coriander, sorghum and sudangrass.
- MASC does not insure against revenue losses if market prices drop.
- Insureds who are subject to a 6% or greater premium surcharge are not eligible for coverage above 70% or for the Crop Coverage Plus (CCP) option.
- Insureds who have a 25% premium surcharge are restricted to 50% coverage.
- Producers who have a high risk of production loss or production value loss may be restricted to the 50% coverage level.
- Producers who grow both pedigreed crops and non-pedigreed crops and insure both crops must insure them at the same coverage level. When MASC calculates claims, it treats both pedigreed and non-pedigreed crops as one crop.
- For Pedigreed Seed Insurance, a producer must be a member of the Canadian Seed Growers Association (CSGA); and the acreage must have been sown with registered seed or better and meet the CSGA standards.
- The indemnity level for grain corn, open pollinated corn, potato, vegetable and soybean crops that are not harvested is 85% of coverage.
- For an organic crop to be eligible for organic insurance, the crop must be grown on acreage certified by an organic accreditation agency recognized by the Canadian Food Inspection Agency (CFIA) or the United States Department of Agriculure (USDA).
- For coverage levels and for claim purposes, Argentine canola and Polish canola are considered as one crop. The IPI for these crops is calculated separately and then added together to form one IPI for canola.
- Volunteer crops and intercrop mixtures are not eligible for insurance.
- The minimum acreage to be eligible to insure is 5 acres.
- For crops to qualify they must be sown by the Seeding Deadlines established by the Corporation. For specific deadlines, see the Seeding Deadlines page.
- Producers who experienced bacterial ring rot in potatoes in a previous year will only be eligible for insurance if they have fully complied with a clean-up order under the Bacterial Ring Rot in Potatoes Regulation under The Plant Pest and Disease Act (Manitoba) or with a sanitation requirement issued by the Canadian Food Inspection Agency (CFIA).
- For potatoes to qualify for irrigated coverage, fields must have adequate irrigation equipment and water supply. Producers must maintain suitable records of the amount of rainfall and the amount of water applied to the field.
- Broccoli, carrots, cauliflower, cooking onions, parsnips, rutabagas, saskatoons and strawberries must be irrigated.
- Producers are required to adhere to the provisions of The Farms Products Marketing Act (Manitoba) to be eligible for insurance for potatoes and vegetable crops.
- Crops lost or damaged as a result of an intentionally started fire are not insured, unless MASC can confirm that the producer followed all the guidelines of a lawfully started fire and adhered to all applicable laws.
- Crops seeded by air are not insurable.
Production loss or production value loss due to the following reasons are not covered:
- Bacterial ring rot if certified seed is not used or improper crop rotation
- Using seed that does not meet acceptable standards
- Weeds or chemical damage, including damage from the use of herbicides or pesticides
- Other crops choking out the insured crop or eligible forage establishment crop
- Shortage of labour or machinery
- Damage caused by improper use of machinery
- Livestock grazing
- Pests or disease
- Improper seed bed preparation, seed placement or planting methods
- Improper crop rotation
- Seeding too early
- Stem rust, if the insured crop is winter wheat
- Frost damage, if the crop was planted in an inappropriate zone
- Inadequate soil fertility
- Inadequate population of leafcutter bees, if the insurable crop is alfalfa seed
- Any other negligence, neglect, misconduct, or improper farming practice.
Claims
AgriInsurance claims may occur at any time in the growing season. Indemnity payments are calculated based on the shortfall in production compared to the coverage provided.
- Reseed
- Stage 1
- Stage 2
- Post-Harvest
Reseed Claims
Early season (prior to and including June 20) when the crop is reseeded: 25% coverage as spot loss
To qualify for a reseed claim:
- The crop must have been damaged or destroyed by an eligible cause of loss before June 20th.
- You must have MASC's written consent to destroy the original crop.
- The crop may be reseeded to the same crop or to a different crop. If you reseed to another crop, the reseeded crop must be selected for insurance and seeded by the extended coverage seeding deadline for that crop.
- A minimum of 20 acres of a crop must have been damaged. For potatoes to qualify, the minimum damaged area is 10 acres; for vegetables, the minimum damaged area is 3 acres.
The indemnity on a reseed claim is {reseed_rate}% of the per-acre dollar coverage of the original crop (cooking onions, carrots, parsnips, and rutabagas carries an indemnity of {reseed_rate_veg}% of the per-acre dollar coverage).
Reseed benefits apply if the appraised yield is less than your probable yield (measured in tonnes per acre), and you are paid in full based on the acres reseeded.
You may only apply for one reseed claim per field per year, except if the first crop is fall rye or winter wheat.
Note: In order to appraise fall seeded crops in the spring, it is necessary to allow for adequate spring growth to determine crop viability. Producers who destroy their rye or winter wheat prior to the date specified each year by MASC are eligible for a reseed benefit of 25%, but forfeit their Stage 1 UH coverage.
Stage 1 Claims
Early season (prior to and including June 20) when the crop is destroyed: 50% coverage as a total acreage calculation
Stage 1 claims cover all insured crops except winter wheat, fall rye, tame hay, alfalfa seed, pedigreed timothy seed, perennial ryegrass seed, tall fescue seed, or native hay for losses due to an eligible cause.
A Stage 1 claim applies if the damage occurs between the time a crop was seeded and June 20th.
Notes:
- If loss or damage occurred before June 20th and you could not destroy and reseed the crop because of excess moisture, the claim will be treated as a Stage 2 loss.
- Commencing in the 2014 crop year, winter wheat and fall rye destroyed prior to June 20th will not be eligible for Stage 1 coverage, only the 25% reseed benefit.
Crops damaged during the Stage 1 period are eligible for {stage1_rate}% of the producer's coverage.
Stage 1 claims are calculated on a total crop acreage basis, so a Stage 1 loss on partial acres cannot be determined until after all acres are harvested. The harvested production combined with the Stage 1 loss is used to calculate the post-harvest claim. If the whole crop is appraised as Stage 1 and destroyed, payment is made after MASC confirms that the crop was destroyed.
Reseed / Stage 1 Claim Examples
Early season (prior to and including June 20) when both a Reseed and Stage 1 occur
Your management decision determines the type of indemnity you will receive. You may decide to a) reseed to the same crop, b) reseed to a different crop, or c) leave the crop until it is ready to harvest.
You have 140 acres of canola. On June 8th, all 140 acres are damaged by frost. As the damage occurred before the June 15th seeding deadline, you may reseed your crop and receive a reseed benefit equal to 25% of coverage.
Probable Yield: 32 bu/acre Selected Coverage: 80% Coverage: 25.6 bu/acre (80% x probable yield) Appraised Production: 21 bu/acre Canola Dollar Value: ${canola::per_bushel} per bushel
You reseed to the same crop. Your reseed benefit is 25% of his coverage.
| Reseed Benefit: | = Coverage (bu/acre) x Dollar Value (of canola) x Total Damaged Acres x Reseed Benefit Rate |
| = 25.6 x ${canola::per_bushel} x 140 x 25% | |
| = $. |
You reseed all 140 acres to Red Spring Wheat (RSW). Your reseed benefit is 25% of coverage.
| Reseed Benefit: | = Coverage (bu/acre) x Dollar Value (of canola) x Total Damaged Acres x Reseed Benefit Rate |
| = 25.6 x ${canola::per_bushel} x 140 x 25% | |
| = $. |
In both cases, you receive the same reseed benefit. Reseed benefits are based on the destroyed crop not on the new crop. You reseeded all acres to a new crop; therefore, you are entitled to a Stage 1 claim and to a reseed benefit. A Stage 1 indemnity is 50% of coverage less any 'appraisal to count'.
Appraisal to count: The part of an appraisal that is over one-half of the insurable coverage will be counted and deducted from the Stage 1 coverage.
The appraisal above one-half of coverage is counted to encourage producers to leave the crop to harvest. Our experience shows that, in most cases, it is better to leave a seeded crop with a yield potential close to coverage than to reseed late in the season. If the appraisal is below one-half of coverage, then a zero yield is used to calculate the claim.
| Appraised production to count: | = 21 bushels appraised production per acre - (1/2 x 25.6) producer's bushel coverage per acre |
| Production indemnity: | = 25.6 bushels per acre x 50% stage indemnity - 8.2 bushels production to count |
| Stage 1 indemnity paid: | = 4.6 bu/acre x 140 acres x ${canola::per_bushel} per bushel = $. |
| Total indemnity paid: | = $. stage indemnity + $. reseed benefit = $. |
In this case, you must pay the full premium on the original canola crop and the new wheat crop. You must also seed the wheat before the extended coverage seeding deadline.
You do not reseed the crop; therefore, you are not entitled to a reseed benefit.
At this stage, it is unknown if you will receive an indemnity. A claim will not be paid until after the crop is harvested. If you have a shortfall in production after harvest, you will be entitled to an indemnity.
You have a total of 140 acres of canola. On June 8th, 60 acres of canola are damaged by frost. You reseed the 60 acres to flax.
Probable Yield: 33.4 bu/acre Selected Coverage: 70% Coverage: 23.4 bu/acre (70% x probable yield) Appraised Production: 9.7 bu/acre Canola Dollar Value: ${canola::per_bushel} per bushel
| Reseed Benefit: | = Coverage (bu/acre) x Dollar Value (of canola) per acre x total acres damaged x reseed benefit rate = 23.4 x ${canola::per_bushel} x 60 x 25% = $. |
At this time, you are not entitled to a stage indemnity. AgriInsurance is based on a producer's total production for a crop. If, after harvest, your canola production is below your coverage level, you may be eligible for an indemnity. If, however, your actual harvested production is equal to or greater than your production guarantee, you are ineligible for an indemnity.
The following table outlines the various scenarios for how an appraisal affects Stage 1 and post-harvest claims. In some cases, an appraisal above one-half of coverage reduces the indemnity. An appraisal from a partial Stage 1 claim only applies if the producer is eligible for a post-harvest claim.
| Appraisal is: | Total Crop Reseeded | Partial Crop Reseeded | ||||||
|---|---|---|---|---|---|---|---|---|
| To different crop: | To same crop: | To different crop: | To same crop: | |||||
Reseed |
Stage 1 |
Reseed |
Stage 1 |
Reseed |
Stage 1 |
Reseed |
Stage 1 |
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| Less than 0.5 x coverage | Yes | Yes | Yes | No | Yes | Deferred to post claim | Yes | No |
| Greater than 0.5 x coverage | Yes | Appraisal to count | Yes | No | Yes | Appraisal to count / Deferred to post claim | Yes | No |
| Greater than coverage but less than probable yield | Yes | No | Yes | No | Yes | No / Deferred to post claim | Yes | No |
| Greater than probable yield | No | No | No | No | No | No | No | No |
You do not reseed the crop; therefore, you are not entitled to a reseed benefit.
At this stage, it is unknown if you will receive an indemnity. A claim will not be paid until after all crops are harvested. If, after harvest, the value of your actual production is below the production value guarantee, you will be entitled to an indemnity.
Stage 2 Claims
Losses after June 20 but prior to harvest: 100% coverage as a total acreage calculation
If your crop is damaged due to an eligible cause after June 20th (and subsequently destroyed), it is eligible for a Stage 2 claim. You must have MASC's written consent to destroy the crop. All appraised production above production to count is considered to be harvested production.
Indemnity is 100% of coverage for all eligible crops, except for silage corn, grain corn, open pollinated corn, soybeans, potatoes, cooking onions, rutabagas, carrots, and parsnips, which have an indemnity of 85% of coverage.
MASC insures all, not partial acres of a crop. If only a portion of a crop is damaged, the indemnity is not calculated until after the crop is harvested. MASC uses the total production of a crop to calculate a claim. If the whole crop is destroyed, payment is made after MASC evaluates the damage. For partial losses, claims are paid only if production including appraised production from all acres is below coverage.
Stage 2 Claim Examples
A producer seeds 220 acres of barley. On July 2nd, heavy rain destroys all 220 acres. The damage occurred after the June 20th deadline; therefore, he cannot reseed to an insured crop and is eligible for full coverage on the destroyed acres.
Probable Yield: 71 bu/acre Selected Coverage: 70% Coverage: 49.7 bu/acre (70% x probable yield) Appraised Production: 16.5 bu/acre Barley Dollar Value: ${barley::per_bushel} per bushel
| Total Coverage: | = coverage per acre x total acres damaged = 49.7 x 220 = 10,934 bushels |
| Appraised Production on Damaged Acres: | = appraised production per acre x total acres = 16.5 x 220 = 3,630 bushels |
| Production Shortfall: | = total coverage - total appraised production = 10,934 bushels - 3,630 bushels = 7,304 bushels |
| Stage 2 UH Indemnity: | = production shortfall x barley dollar value = 7,304 bu x ${barley::per_bushel}/bu = $. |
An MASC adjustor must verify all damage to fields and give the producer permission in writing to destroy the crop. The producer must destroy the damaged crop and have the acres reinspected by an MASC adjustor before the claim will be paid.
A producer has 320 acres of Red Spring Wheat (RSW). On July 2nd, 40 acres are damaged by heavy rain. The damage occurred after the June 20th deadline; therefore, he is eligible for full coverage on the 40 acres as a partial Stage 2 claim.
Probable Yield: 42 bu/acre Selected Coverage: 80% Coverage: 33.6 bu/acre (80% x probable yield) Appraised Production: 15 bu/acre RSW Dollar Value: ${wheat::per_bushel} per bushel
| Total Coverage: | = coverage per acre x total acres damaged = 33.6 x 320 = 10,752 bushels |
| Appraised Production on Damaged Acres: | = appraised production per acre x total acres = 15 x 40 = 600 bushels |
| Remaining Coverage: | = total coverage - appraised production on damaged acres = 10,752 bushels - 600 bushels = 10,152 bushels |
At this time the producer is not entitled to an indemnity. AgriInsurance is based on the total actual production of a crop. If, after harvesting his RSW, he has a production shortfall, he will be eligible for an indemnity. If, however, he does not have a production shortfall an indemnity is not payable.
Post-Harvest Claims
Applies after harvest when production is below coverage. Indemnity is paid at 100% of coverage.
Post-Harvest claims are adjusted to account for any appraised production for crops damaged or destroyed during the Stage 1 and Stage 2 period and losses due to uninsurable causes.
Indemnities paid to producers take into consideration the amount paid or payable on Reseed claims and Stage 1 claims.
Grade Factor: MASC adjusts a producer's harvested production to account for losses to the crop's quality due to an insurable cause. Each crop year, MASC establishes a grade factor for all crops and for various grades within a crop. MASC uses these grade factors to adjust for quality losses.
The grade factor is calculated by comparing the market value of the off-grade production to the market value of production at the guaranteed grade. For example, for #2 CWRSW (Canadian Western Red Spring Wheat), the market value of the guaranteed grade is ${wheat::per_bushel}/bu. For Canadian Western Feed wheat, the market value of the actual production (off grade) is ${wheat2::per_bushel}/bu. The grade factor is ${wheat2::per_bushel} / ${wheat::per_bushel} = ..
Note: The off-grade values and grade factors used in these calculations are for demonstration purposes only and are not the actual values. The actual values are not available until harvested production begins to sell in the fall and market values are established.
Cleaning: MASC does not compensate or reimburse for the costs of cleaning production.
Post-Harvest Claim Examples
You harvest 300 acres of canola.
Probable Yield: 29 bu/acre of #1 Canola Selected Coverage: 80% Coverage: 23.2 bu/acre (80% x probable yield) of #1 Canola Total Coverage: 23.2 x 300 = 6,960 bushels of #1 Canola Canola Dollar Value: ${canola::per_bushel} per bushel
| Actual Harvest: | = 7,100 bushels of #2 Canola |
| Grade factor for #2 Canola: | = 0.9240 |
| Dockage: | = 5% |
| Total Dockage: | = 7,100 bushels x 0.05 = 355 bushels |
| Net Production: | = 7,100 - 355 = 6,745 bushels |
| Grade factor adjustment (for quality loss): | = 6,745 x 0.9240 = 6,232.38 |
| Indemnity payable: | = (coverage - total production) x dollar value = (6,960 - 6,232.38) x ${canola::per_bushel} = $. |
With post-harvest claims, MASC takes into consideration the amount of a crop produced and adjusts for the quality of the crop.
Claims and Appeals Procedures
Claiming for Losses
If your actual harvested production falls below your guaranteed production, you must file a claim by completing and submitting a Harvested Production Report (HPR). Some claims may be calculated and paid using the information provided in your HPR.
To make a claim for losses:
- Contact your local MASC Insurance office.
- An MASC adjustor will visit the site and evaluate the damage or loss, determine the cause of loss, and measure all harvested production.
- After evaluating the crop, the adjustor will complete an assessment form. If you agree with and sign the assessment form, it is then forwarded to the Insurance Corporate Office for payment. Generally, MASC will issue the cheque within three weeks of finalizing the claim. If you do not agree with the assessment, you should not sign the form.
- If you are not satisfied with MASC's initial appraisal, a second evaluation by a different adjustor will be completed. If after a second assessment you still do not agree with MASC's appraisal, you have the right to appeal the assessment.
Appealing an Appraisal of Loss
If you do not agree with an appraisal of loss completed by MASC, a second appraisal by a different adjustor will be completed. If you do not accept this second assessment, or you reconsider the decision after signing a claim, you have 7 days to appeal the assessment to the Appeal Tribunal.
For more information, please see Appeals.
Related MASC Links |
External Links |
