Corn Insurance

Corn Insurance

Purpose

MASC provides insurance for three types of corn in Manitoba: grain, open-pollinated, and silage corn.

Eligibility

  • Insurance for grain corn, open-pollinated corn, and silage corn is available to producers who grow a minimum of five acres of corn in Manitoba.
  • All hybrid varieties of grain corn and silage corn are eligible for AgriInsurance coverage. All open-pollinated corn varieties are eligible for AgriInsurance coverage.
  • All hybrid varieties of grain corn and open-pollinated corn varieties are eligible for coverage as silage corn. Hybrid silage corn and open-pollinated silage corn will be combined for claim purposes, but not for coverage.
  • March 31 is the last day to apply for or make changes to an MASC AgriInsurance policy.

Coverage

  • Producers can choose from three coverage levels: 50, 70, or 80 per cent of their probable yield, or Crop Coverage Plus (CCP) that provides up to 90 per cent coverage (excluding silage). 
  • Grain corn probable yields are calculated using the producer’s individual 10-year historical yields (a 10-year provincial average is used for new producers). 
  • Silage corn uses the individual productivity indexing (IPI) method, which calculates probable yields using a producer’s own 10-year individual yield history compared to the area yields of similar soil types and risk areas in order to stabilize year-to-year variability.
  • Corn is insurable in all regions of the province.
  • June 30 is the last day to file a Seeded Acreage Report (SAR).
  • November 30 is the last day to file a Harvested Production Report (HPR) and register a post-harvest claim without penalty.

Costs

AgriInsurance premiums for corn production are shared 40 per cent by the producer, 36 per cent by the Government of Canada, and 24 per cent by the Province of Manitoba.

Claims

AgriInsurance claims for corn are based on the following stages of adjustment:

Reseeding

25 per cent of dollar coverage

Losses up to and including June 20

50 per cent of dollar coverage

Losses after June 20, but prior to harvest

Full dollar coverage

Post-harvest claims

Full dollar coverage

Harvesting Corn

If a producer changes their harvest intentions, such as: corn insured as grain changed to be silage or grazed; or corn insured as silage now to be harvested as grain or grazed, the producer must contact MASC to register a claim prior to putting the crop to an alternate use. An MASC adjustor will appraise the crop according to procedures specific to the way the crop was originally insured.

Grazing Corn

Producers growing grain or silage corn varieties for the purpose of fall or winter grazing can insure the corn as silage corn, and have it appraised in the fall to determine if there was a production loss. This appraisal should occur when the corn would normally be silaged.

Seeding Deadlines

Seeding deadlines for corn depend on the type of corn grown and the insurable areas, as follows:

Corn Type

Seeding Deadline

(full coverage)

Extended Seeding Deadline

(coverage reduced by 20 per cent)

Silage Corn Area 1: June 15

Silage Corn Area 2: May 30

Silage Corn Area 1: June 16June 20
Silage Corn Area 2: May 31June 4

Grain Corn Area 1: June 6

Grain Corn Areas 2 – 5: May 30

Grain Corn Area 1: June 7June 11

Grain Corn Areas 2 – 4: May 31June 4

Grain Corn Area 5: none

Open-Pollinated Corn Area 1: May 30

Open-Pollinated Corn Test Area: May 30

Open-Pollinated Corn Area 1: May 31June 4

Open-Pollinated Corn Test Area: none