There are established planting dates for various areas of Ontario based on crop heat units, soil characteristics, historical claim rates, and other geographical characteristics. The final planting date is the last day that a crop can be planted and still qualify for Production Insurance coverage.
If you file a claim for crops planted before the earliest planting date, you may be required to demonstrate that you have used good farm management practices to be eligible for a claim.
Coverage is available to both landlords and the sharecroppers based on their respective shares of the crop. Members of an arrangement can decide independently whether to insure their own shares but may not insure the share belonging to the other member.
If you insure a share in a crop that does not belong to you and a claim results, your claim will be based on your share only and the premium on the uninsured share is forfeited.
SEO is another option for landlords and sharecroppers that allows each landlord/sharecrop arrangement to be insured under a separate insurance contract. Both the landlord(s) and sharecropper(s) jointly own the insurance contract for each arrangement.