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Saskatoon Establishment Insurance
Saskatoon Establishment Insurance provides coverage to Manitoba producers who grow saskatoons commercially and sustain losses due to natural causes during the establishment phase.
This program covers saskatoon plants for a 3-year establishment phase, and remains in effect from year-to-year until cancelled by the producer. Premiums are charged each year of the 3-year establishment period.
- Eligibility
- Costs & Coverage
- Deadlines
- Claims
- Procedures
- Links
Eligibility
Eligible Producers
To qualify for Saskatoon Establishment Insurance, you must:
- be a participant in the AgriInsurance program
- grow saskatoons commercially
- transplant your saskatoon plants on or before {program_details::spring_planting}
- have a minimum of {program_details::min_plants} establishing plants
- insure all plants in their first, second, and third year of growth
Note: Landlords are not eligible for Saskatoon Establishment Insurance.
Eligible Crops
Eligible saskatoon plants must be:
- transplanted into the field by {program_details::spring_planting} for spring plantings
- transplanted into the field between {program_details::early_transplant} and {program_details::late_transplant} of the previous crop year, in the case of fall plantings
- less than 3 years old
- irrigated
- declared on your Seeded Acreage Report (SAR)
Note: Saskatoon plants are only eligible for establishment insurance, and do not qualify for any other AgriInsurance or Hail Insurance.
Costs & Coverage
Premiums for Saskatoon Establishment Insurance are cost-shared: {producer_share}% by the producer, {federal_share}% by the Government of Canada, and {provincial_share}% by the Province of Manitoba, as part of the Federal-Provincial Growing Forward Framework agreement.
Producers pay ${saskatoons::premium_per_plant} per plant (${saskatoons::premium_per_hundred} per 100 plants) for premiums.
Note: Neither a premium discount nor surcharge will apply to Saskatoon Establishment Insurance.
The current established dollar coverage is ${saskatoons::per_plant} per plant, which reflects the replacement value of the saskatoon plants.
The establishment phase consists of Year 1 (the year the saskatoon plants are transplanted into the field) and the next two subsequent growth years (Year 2 and Year 3). Any one block is insurable for a maximum of 3 years (unless there was a loss and reseeding was required).
If 51% or more of plants in any block are less than 3 years old, MASC may accept all of the plants in the block for Saskatoon Establishment Insurance. If 51% or more plants in any block are damaged in a given year, MASC may consider the whole block lost for the purpose of calculating the producer's indemnity.
Period of Insurance
Saskatoon Establishment Insurance is in effect from the date of planting to {end_coverage} of the following year.
Deadlines
| Date | Last Day to... |
|---|---|
| November 30th (but not before August 15th) (previous year) |
|
| March 31st |
|
| June 20th |
|
| June 20th (following year) |
|
| June 30th (following year) |
|
Claims
A {program_details::deductible}% deductible is applied to all claims.
The following formula is used to calculate an indemnity:
Indemnity = (# of plants destroyed - {program_details::deductible}% deductible) x Dollar Value per plant
A producer plants 1,000 saskatoons in the spring, but unfortunately 400 plants don't survive until June 20th of the next year. MASC inspects the saskatoon field and determines that none of the 400 plants are salvageable.
| Deductible: | = 1,000 plants x {program_details::deductible}% = . |
|---|---|
| After confirming the plants were destroyed, MASC will pay the producer: | |
| Indemnity: | = (400 - .) x ${saskatoons::per_plant} = $. |
Late Claims
Producers who file their claims after {program_details::end_coverage} (but before {program_details::last_claim}) will be charged a late filing fee equal to {program_details::late_fee}% of the indemnity (to a maximum of ${program_details::max_late_fee}).
Procedures
Making a Claim
You have until {program_details::end_coverage} to make a claim on your Saskatoon Establishment Insurance. Before destroying or removing damaged plants, you must have them inspected by an MASC adjustor. After the inspection, all non-viable plants must be removed or destroyed. If the majority of the plants don't survive the winter and are to be mechanically destroyed or replanted, MASC may consider the whole block lost for indemnity purposes.
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.
Related MASC Links |
External Links |
