- This program insures a producer’s honey bees against unmanageable abnormal wintering losses, including weather-related losses, diseases and pests.
- A producer is eligible for this program if they reside and operate an apiary in Manitoba, and are registered as a beekeeper under The Bee Act (Manitoba).
- A producer must have a minimum of 50 colonies accepted for Overwinter Bee Mortality Insurance.
- Strong colonies (placed in either indoor or outdoor storage) and nuclear colonies stored indoors are eligible for coverage.
- This program covers losses of strong (7 or more frames of brood or bees when placed in winter storage) and nuclear colonies (minimum of 4 frames of brood or bees when placed in winter storage) that have suffered insurable winter losses due to weather, diseases and / or pests where there is no means of adequate control.
- Beekeepers may select a low ($ per colony) or high ($ per colony) overwinter colony dollar value for coverage.
- A new program participant for receives the Manitoba historic survival rate of per cent. Producers enrolled for two or more years will receive a survival rate based on their experience.
- Coverage is based on per cent of the number of overwinter colonies multiplied by the survival rate.
A new beekeeper insures colonies for overwinter loss at the high dollar value ($ per colony).
Coverage = colonies x per cent survival rate x per cent coverage
= colonies (rounded)
Colonies x $ per colony = $
- This program does not insure against any losses resulting from inadequate or improper winter storage, inadequate surveillance, failure to follow normal or recommended beekeeper practices, theft or vandalism.
- Premium costs are shared per cent by the producer, per cent by the Government of Canada, and per cent by the Province of Manitoba.
- If an insured beekeeper believes they are in a claim position, they must file a claim with MASC on or before May 15.
- After filing a claim, an MASC adjustor will assess the losses that have occurred during the winter storage period.
- Colony designations are assigned as below:
Eligible Frames * Entering Winter Storage Exiting Winter Storage Strong Colony: 7+ Strong Colony: 5+
Weak Colony: 3 to 4
Dead Colony: 2 or fewer
Nuclear Colony: 4+ Nuclear Colony: 4+
Weak Colony: 3
Dead Colony: 2 or fewer
* per cent of weak colonies are counted as surviving colonies for claim and coverage purposes.
* An 'Eligible Frame' is a frame with at least two-thirds of the cells on each side of the frame filled with brood or eggs, or covered with live bees, or a combination thereof.
A new beekeeper insures colonies for overwinter storage at the high dollar value. In spring, the beekeeper finds strong colonies, weak colonies, and dead colonies.
Surviving Colonies = + ( weak colonies x per cent)
= surviving colonies
Claim = (insured colonies x survival rate x per cent) - surviving colonies
= ( x x ) -
colonies x $ dollar value
- If a program participant received a wildlife compensation payment under the Wildlife Damage Compensation Regulation for loss of bees during the winter storage period, this payment may be deducted from any indemnity payable under this program.
- August 31 is the last day to apply for (or cancel coverage for) this program.
- May 15 (or 3 days prior to taking action in respect of the management and control of over-winter colonies, whichever comes first) is the last day to file a claim without a late fee.
- November 30 is the last day to declare and confirm the number of colonies placed in winter storage by completing a Declaration of Overwinter Colonies Report.
- May 31 is the last day to file a Declaration of Overwinter Colonies Mortality Report, and file a claim (subject to late filing fees).