Manitoba Agricultural Services Corporation

Eligibility

 

Eligible Producers

To be eligible for the Continuous Hail Insurance Option, you must insure all eligible crops under AgriInsurance at the {program_details::pi_level}% coverage level.

Note: Landlords have the option to select CHIO regardless of the coverage level selected by their tenant.

Eligible Crops

All crops are included in the CHIO selection except the following Optional CHIO Crops, which must be selected individually at the highest dollar coverage offered:

• alfalfa seed
• broccoli
• cabbage
• carrots
• cauliflower
• cooking onions (and other onions)
• greenfeed
• parsnips
• potatoes
• ryegrass seed (annual and perennial)
• rutabagas
• sweet corn
• tame hay
• timothy seed ( including pedigreed)
• tall fescue seed
• organic crops

For more information, contact your local MASC Insurance office.

 

Costs & Coverage

Premiums are based on the MASC rates (published annually). As a CHIO participant, you automatically qualify for a {program_details::auto_discount}% discount on your premiums, and you're also eligible for a {program_details::early_pay_discount}% discount if your premiums are paid by July 31st.

CHIO participants who have maintained their CHIO coverage for more than two years will receive an additional 1% discount each year, to a maximum of an additional 5% in the 5th year of continuous participation. Any break in CHIO participation returns the producer to the base 2% discount.

Coverage comes into effect on April 1st of the crop year, and all seeded acres of eligible crops are automatically insured for $150 per acre coverage (the maximum offered) under MASC Hail Insurance. After your Seeded Acreage Report (SAR) is processed, you will be sent a Statement of Hail Insurance to confirm your coverage.

Note: CHIO coverage can only be cancelled if acres have been appraised by MASC and destroyed.

Short Date Cancellation

Producers with CHIO may cancel their coverage and recover a portion of their hail premium, as set forth in the Short Date Cancellation Table (below), if the crop has been appraised and there is insufficient production potential to harvest the crop. Otherwise, acres insured under CHIO cannot be cancelled.

Short Date Cancellation Table
All insurable crops, with the exception of Strawberries, Fall Rye, Tame Hay, Alfalfa Seed, Perennial Ryegrass, Tall Fescue, Pedigreed Timothy for seed production, and Winter Wheat			Strawberries, Fall Rye, Tame Hay, Alfalfa Seed, Perennial Ryegrass, Tall Fescue, Pedigreed Timothy for seed production, and Winter Wheat
Date	Percent of Premium Earned		Date	Percent of Premium Earned
Before or on June 29	Nil		Before or on May 30	Nil
June 30	10%		May 31	10%
July 1	12%		June 1	12%
July 2	14%		June 2	14%
July 3	16%		June 3	16%
July 4	18%		June 4	18%
July 5	20%		June 5	20%
July 6	22%		June 6	22%
July 7	24%		June 7	24%
July 8	26%		June 8	26%
July 9	28%		June 9	28%
July 10	30%		June 10	30%
July 11	33%		June 11	33%
July 12	36%		June 12	36%
July 13	39%		June 13	39%
July 14	42%		June 14	42%
July 15	45%		June 15	45%
July 16	48%		June 16	48%
July 17	51%		June 17	51%
July 18	54%		June 18	54%
July 19	57%		June 19	57%
July 20	60%		June 20	60%
July 21	64%		June 21	64%
July 22	68%		June 22	68%
July 23	72%		June 23	72%
July 24	76%		June 24	76%
July 25	80%		June 25	80%
July 26	84%		June 26	84%
July 27	88%		June 27	88%
July 28	92%		June 28	92%
July 29	96%		June 29	96%
July 30 and after	100%		June 30 and after	100%

 

Producers must notify their local MASC Insurance office in writing (in person, by fax or by mail). If notification is mailed, the dated post mark will be used as the cancellation date. If notification is given in person or by fax, the actual date of receipt will be used.

 

Deadlines

Date	Last Day to...
March 31st	Apply for a new AgriInsurance contract Make changes to (or cancel) a current AgriInsurance contract Apply for the Continuous Hail Insurance Option (CHIO)
July 31st	Pay your Hail Insurance premium and receive the {program_details::early_pay_discount}% early payment discount
October 21st	Hail Insurance coverage terminates (if crop has not already been harvested or destroyed)

Claims

Claims made under CHIO coverage are processed and calculated as they are under Hail Insurance, as in these examples:

 

Procedures

 

Claiming for Losses

You can initiate a Hail Insurance claim by contacting your local MASC Insurance office. To qualify for a Hail Insurance claim:

• Inspect your fields for damage before submitting a claim; if a claim is filed for an undamaged field, a nil claim fee may be incurred
• Contact your local MASC Insurance office within three business days of the damage occurring
• An MASC adjustor must inspect all damaged crops before the crops are destroyed or harvested
• If a damaged crop is ready to harvest and MASC was contacted, you may then proceed to harvest the crop, provided that representative strips are left for an adjustor to inspect. Representative strips must be at least 10 feet wide, and comprise either:
  • the full length of the field for each 40 acres or less of damaged crop, or
  • 1/3rd the distance in from the edge of the field and completely around the field.

Note: Claim payments on subsequent hailstorms are adjusted to compensate for previous losses.

Appealing an Appraisal of Loss

If you do not agree with an appraisal of loss completed by MASC, a second appraisal 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.