MASC AgriInsurance

• The fully completed and signed Agri-protection contract.
• The Seeded Acreage Report (SAR) with the acres and declared crops.
• The Harvested Production Report (HPR) to declare the harvested crop.
• Supporting documents related to production, as needed, such as sales receipts or representative samples for quality assessment.
• The required supporting proof documents for certain options or special programs, for example, a valid lease and proof of farm income for a landlord contract, or proof of certification for organic crops or pedigreed seed.

Eligibility for AgriInsurance in Manitoba is subject to several criteria concerning the producer's farming operations and crop coverage selections.

• The applicant must be a producer in Manitoba.
• Crops to be insured must include the entire acreage of a crop grown by the insured, encompassing both owned and rented land.
• Crops must be eligible for insurance under the AgriInsurance program, which includes over 80 crop types.
• Producers must choose from available coverage levels of 50, 70, or 80 per cent of probable yield or opt for the Crop Coverage Plus (CCP) option, which provides coverage up to 90 per cent.
• To qualify for Crop Coverage Plus, producers must insure all eligible crops at the 80 per cent coverage level and grow more than one eligible crop.
• Participants must meet deadlines, such as applying for an AgriInsurance contract by March 31 (April 2 for 2024) and submitting a Seeded Acreage Report by June 30 (July 2 for 2024).

Who is eligible?

Eligible applicants are producers operating in Manitoba who seek to manage risks associated with crop yield and quality losses due to uncontrollable natural perils. The program is specifically tailored for different types of farming operations, including conventional and organic farms. To apply, producers need to insure the entire acreage of a particular crop across owned and rented land, and maintain an AgriInsurance Contract with options to select coverage levels annually. Additional eligibility considerations exist for those applying for specialized options like Crop Coverage Plus or Hail Insurance.

Who is not eligible

Eligible expenses

Eligible expenses for AgriInsurance primarily relate to losses in crop yield and quality due to uncontrollable natural perils.

• Coverage for yield losses caused by natural perils such as drought, fire, and excessive weather conditions.
• Compensation for crop quality shortfalls based on quality assessments for most crops.
• Financial assistance for reseeding crops damaged by natural perils.
• Insurance for excess moisture preventing seeding or reseeding.

Ineligible Costs and Activities

• Losses related to poor management, including weed infestations.
• Areas considered uninsurable by the Corporation because of a high risk of flooding or excessive moisture.
• Land seeded too late for full coverage or not in compliance with the applicable seeding deadlines.
• Crops or areas destroyed, reseeded, or put to another use without prior inspection, in accordance with the program rules.
• Claims filed after the prescribed deadlines, which may be refused.

Eligible geographic areas

This insurance program is specifically designed for agricultural producers in Manitoba. The eligible locations are confined to this Canadian province to address region-specific agricultural risk challenges.

• Producers based in the province of Manitoba, Canada.

There are evaluation and selection criteria for this grant. The evaluation and selection criteria for the AgriInsurance program in Manitoba are as follows:

• Probable yield for each insured crop
• Coverage level selection (50%, 70%, or 80% of probable yield)
• Seeded acreage reporting by June 30
• Harvested production reporting by November 30
• Indemnity payments for production shortfalls

• The application is first reviewed by the Corporation, which processes the information submitted and assesses the file according to the program terms.
• If needed, an insurance specialist or a claims adjuster may inspect the crops, acreage, or production to confirm the losses declared.
• If the application is related to a post-harvest loss, the production is verified and quality may be taken into account before settlement.
• In the event of disagreement with the assessment, the producer may request a new appraisal and, if necessary, appeal the decision before the Appeal Tribunal.
• Once the file is finalized, the Corporation pays the indemnity or renders its final decision, which applies according to the program rules.

Here are additional relevant details for the AgriInsurance program in Manitoba:

• Coverage levels can be adjusted yearly, with previous choices auto-renewed if not changed by the producer.
• Insurance is comprehensive, covering all crops grown by an insured across owned and rented lands, but does not allow for field-by-field selection.
• The Contract Price Option provides flexibility by allowing the blending of contracted production prices with MASC's base values.
• Hail insurance is an add-on available only to those with an existing AgriInsurance contract, focused exclusively on hail or fire damages.
• The premium costs are cost-shared, reducing the financial burden on the producer, with specific adjustment provisions based on individual loss history.
• Additional features include a reseeding benefit at no extra premium, and an option to reduce deductibles for excess moisture coverage.
• Seeded Area Reports and Harvested Production Reports have specific deadlines that are critical for maintaining coverage.
• Extended seeding periods or specific insurance test areas might alter coverage terms and are not universally available.