Production Insurance
Bee Health

How it works

​​​​​The bee health plan covers colony losses caused by weather conditions or disease and pest infestation that occur during the overwinter period.

Insured perils

  • Excessive moisture
  • Excessive cold
  • Excessive wind
  • Ice damage
  • Flood
  • Frost
  • Diseases and pests with no means of adequate control provided good management practices have been followed

Losses due to uninsured perils

Losses due to uninsured perils such as improper use of pesticides, third-party damage or spray drift are not covered by Production Insurance.

Losses caused by uninsured perils are not considered when a claim is calculated.

Calculating your coverage and claims

Guaranteed colonies

To calculate your guaranteed colonies, multiply your insured colonies by the level of coverage you choose.

Guaranteed colonies = insured colonies x chosen coverage level

Insurable value

Each year, Agricorp determines a choice of insurable values based on the average cost of a replacement nucleus colony. You choose an insurable value when you apply or renew.

How claims are determined

A claim payment is calculated by subtracting your surviving colonies in the spring from your guaranteed colonies, multiplied by your chosen insurable value. If the number of surviving colonies is less than your guaranteed colonies (after adjustment for any uninsured perils), a production claim may be paid.

Claims are calculated using this formula:

Claims = (Guaranteed colonies – surviving colonies) x insurable value

Dead colonies

To calculate your total dead colonies, add 67 per cent of your weak colonies to your dead colonies. A weak colony consists of three or four eligible frames; 67 per cent of weak colonies will be considered dead for claim calculation purposes.

Surviving colonies

To calculate the number of surviving colonies, subtract the number of total dead colonies from your insured colonies.

Surviving colonies = insured colonies – total dead colonies

Example calculation

A beekeeper insures 100 colonies and chooses:

  • 70% coverage.
  • $200 insurable value

​When overwintered hives are unwrapped:

  • 50 colo​​nies are de​​​ad
  • 9 colonies are w​ea​​​k​

​In this example, the claim would be calculated as follows:

Guaranteed colonies

= insured colonies x chosen coverage level

= 100 × 70%

= 70 colonies

Total dead colonies

= dead colonies + (67​% of weak colonies)

= 50 + (67% × 9)

= 56 total dead colonies

Surviving colonies

= insured colonies - total dead colonies

= 100 - 56

= 44 surviving colonies

Claim payment

= (guaranteed colonies - surviving colonies) × chosen insurable value

= (70 - 44) × $200

= $5,200

Canadian Agricultural Partnership – Agricorp – Ontario – Canada