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Pedigreed Seed Insurance
Pedigreed seed growers have higher input costs. To help offset these higher costs in case of crop failure, MASC gives pedigreed seed growers the option to insure their eligible crops at higher dollar values.
To take advantage of these higher dollar values, you must select 'Pedigreed Seed Insurance' by {deadline}, and declare any acres seeded with pedigreed seed on your Seeded Acreage Report (SAR). If you seed both pedigreed and non-pedigreed seed, you must list them separately on your SAR.
Pedigreed and non-pedigreed seed crops are assigned the same production and grade guarantees, with the higher premium for Pedigreed Seed Insurance proportional to its higher dollar coverage.
If you grow an eligible pedigreed seed crop, you may:
- insure the crop at the higher dollar value by applying for Pedigreed Seed Insurance, or
- insure the crop at the regular dollar value under AgriInsurance
Note: If you do not select the pedigreed seed option, your pedigreed seed crops will be insured at the non-pedigreed rates.
Landlords with a crop share agreement automatically have their share insured if the tenant selects Pedigreed Insurance for the crop grown on the shared acreage.
- Eligibility
- Costs & Coverage
- Deadlines
- Claims
- Procedures
- Links
Eligibility
Eligible Producers
You may apply for Pedigreed Seed Insurance if:
- you grow eligible pedigreed crops
- you hold an active MASC Contract of Insurance
- you are a member of (or have applied for membership to) the Canadian Seed Growers Association (CSGA)
Eligible Crops
Eligible pedigreed seed crops include barley, canola, flax, oats, field peas, rapeseed, red spring wheat, hard white wheat, prairie spring wheat, durum wheat, extra strong wheat, and winter wheat.
To qualify for pedigreed seed coverage:
- you must use breeder, foundation, or registered seed (certified seed is not eligible)
- crops must be sown for seed
- the acreage must meet all Canadian Seed Growers’ Association (CSGA) field history standards
- if you grow both the pedigreed and commercial varieties of a crop, you must insure both crops at the same coverage level. When you grow both pedigreed and non-pedigreed flax, you cannot insure the pedigreed flax at the {coverage3}% and your non-pedigreed flax at the {coverage2}% coverage level. You must insure both crops at either the {coverage2}% or {coverage3}% level.
- you must provide MASC with your CSGA number
Note: If you're a hybrid canola producer, please contact your MASC Insurance agent to ensure your hybrid canola acreages are declared properly on your Seeded Acreage Report (SAR) and Harvested Production Report (HPR).
Restrictions
If you grow both pedigreed and non-pedigreed crops, you must keep their production separate. For example, pedigreed and non-pedigreed oats must be stored in separate bins. Storing the two crops in the same bin could result in prorated yields (ie. an average yield would be applied to both crops).
MASC uses the same grade guarantee and grade factors for both pedigreed and non-pedigreed seed crops. However, MASC makes no germination guarantee on the pedigreed seed that you harvest.
Costs & Coverage
Premium costs for Pedigreed Seed Insurance are shared, with producers paying {producer_share}%, the Government of Canada covering {federal_share}%, and the Province of Manitoba paying {provincial_share}% of premium costs, as part of the Federal-Provincial Growing Forward Framework agreement.
Premiums for Pedigreed Seed Insurance are slightly higher than for AgriInsurance, but are proportional to the higher dollar coverage given to pedigreed seed crops:
Current Grade Guarantee & Dollar Values
| Crop | Type | Normal Dollar Value | Pedigreed Seed Dollar Value | Grade Guarantee |
|---|---|---|---|---|
| Barley | {barley::name} | ${barley::per_bushel}/bu | ${barley::per_bushel_pedi}/bu | {barley::grade} |
| Canola | {canola::name} | ${canola::per_bushel}/bu | ${canola::per_bushel_pedi}/bu | {canola::grade} |
| Flax | {flax::name} | ${flax::per_bushel}/bu | ${flax::per_bushel_pedi}/bu | {flax::grade} |
| Oats | {oats::name} | ${oats::per_bushel}/bu | ${oats::per_bushel_pedi}/bu | {oats::grade} |
| Peas | {peas::name} | ${peas::per_bushel}/bu | ${peas::per_bushel_pedi}/bu | {peas::grade} |
| Rapeseed | {rapeseed::name} | ${rapeseed::per_bushel}/bu | ${rapeseed::per_bushel_pedi}/bu | {rapeseed::grade} |
| Wheat | {wheat2::name} | ${wheat2::per_bushel}/bu | ${wheat2::per_bushel_pedi}/bu | {wheat2::grade} |
Deadlines
| Date | Last day to... |
|---|---|
| March 31st |
|
| June 30th |
|
| November 30th |
|
Claims
If you only grow pedigreed seed crops, your coverage and indemnity are based strictly on the pedigreed acres. If you grow both pedigreed and non-pedigreed crops, they are treated separately but are combined as production values when calculating a claim (ie. pedigreed bushels x pedigreed dollar value + non-pedigreed bushels x non-pedigreed dollar value).
Claim Example
A producer grows both pedigreed and non-pedigreed red spring wheat (RSW). His bushel coverage is 2,100 bushels for each crop type, with a dollar value of ${wheat::per_bushel_pedi}/bu for the pedigreed RSW and ${wheat::per_bushel}/bu for the non-pedigreed RSW.
Coverage Pedigreed RSW: = 2100 bu x ${wheat::per_bushel_pedi}/bu
= $.Non-Pedigreed RSW: = 2100 bu x ${wheat::per_bushel}/bu
= $.Total Coverage: = $. + $.
= $.
The producer harvests 1200 bushels of pedigreed RSW and 1200 bushels of non-pedigreed RSW.
| Value of Harvested Production | |
|---|---|
| Pedigreed RSW: | = 1200 bu x ${wheat::per_bushel_pedi} = $. |
| Non-Pedigreed RSW: | = 1200 bu x ${wheat::per_bushel} = $. |
| Total RSW Production: | = $. + $. = $. |
| Indemnity paid for lost production: | = Total Coverage - Total Production = $. - $. = $. |
The producer harvests 800 bushels of pedigreed RSW and 2100 bushels of non-pedigreed RSW.
| Value of Harvested Production | |
|---|---|
| Pedigreed RSW: | = 800 bu x ${wheat::per_bushel_pedi} = $. |
| Non-Pedigreed RSW: | = 2100 bu x ${wheat::per_bushel} = $. |
| Total RSW Production: | = $. + $. = $. |
| Indemnity paid for lost production: | = Total Coverage - Total Production = $. - $. = $. |
A producer harvests 3200 bushels of pedigreed RSW and 900 bushels of non-pedigreed RSW.
| Value of Harvested Production | |
|---|---|
| Pedigreed RSW: | = 3200 bu x ${wheat::per_bushel_pedi} = $. |
| Non-Pedigreed RSW: | = 900 bu x ${wheat::per_bushel} = $. |
| Total RSW Production: | = $. + $. = $. |
| Indemnity paid for lost production: | = Total Coverage - Total Production = $. - $. = $. In this case, the producer does not receive an indemnity, as his total RSW production exceeds his total coverage. |
Note: MASC combines the yields from pedigreed and non-pedigreed production to form one Individual Productivity Index (IPI) value.
Claim & Appeal 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 will adjustor 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, MASC will complete a second evaluation. 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 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.
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