Production Insurance
Leafy vegetables, acreage loss basis

How it works


​When you enrol in the acreage loss Production Insurance plans for fresh market vegetables, you are covered for major losses at the field level.

We compare any losses you experience against predetermined abandonment thresholds. These thresholds are based on the crop yields required to meet average production costs for a typical field of that crop. An abandonment claim may be paid if your yield falls below the threshold level due to an insured peril.

Production Insurance coverage for fresh vegetables applies only during the period from seeding or planting until harvest. Loss or damage is evaluated in the field, and is not covered due to storage conditions. If your farm management practices contribute to a production loss, you may lose some or all of your insurance coverage.

​​​Insured p​​​erils

Choose one of these peril op​​tions:

  1. Multi-peril coverage
    • Drought​​
    • Drought**
    • Excessive heat
    • Excessive moisture
    • Excessive rainfall
    • Flooding
    • Freeze
    • Frost
    • Hail
    • High winds
    • Infestation or epidemic due to insects or plant diseases (except for double-cropped zucchini)*
    • ​Snow
    • Tornado
    • Wildlife*

    *From which there is no adequate means of protection available.
    ** Drought is not an insured peril for Spanish onions.
  2. Single-peril coverage for hail only
  3. Single-peril coverage for frost only
  4. Combined coverage for hail and frost

If you have insurable crops in two d​ifferent categories (e.g., root vegetable and leafy vegetable), you can select different peril options for each category (e.g., multi-peril coverage for the root vegetables and hail-only coverage for leafy vegetables).

​​​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 Insura​​​​nce.

Calculating your coverage

Your coverage is determined by calculating the total insurable value.

Total insurable value = insurable value by crop class x number of acres of crop class

The total insurable values for each crop class (e.g. carrots) within each category (e.g. root vegetables) are added togeth​er to determine your total coverage.

For more information, please see the Plan Overview.

Insurable value​​ opt​ions

For each crop, choose one of three insurable value options that are expressed in dollars per acre. The insurable value is the basis of your premium and any abandonment claim you might receive.

Claim types

There are three types of claims under the acreage loss plans. The total amount paid for all claim types for one acre cannot exceed the insurable value of that acre.

Special protection claim

The special protection claim covers products used and work done to prepare for replacement crops if an insured peril prevents you from planting your intended crop.

Special protection claim = number of acres x cost/acre x coverage level

To be eligible:

  • A large number of producers in your region must experience the same problem, or;
  • Your area must be affected by prolonged abnormal weather.

Applying for a special protection claim on unplanted acreage ends the insurance coverage for the acreage concerned.

Emergency measures claim

An emergency measures claim applies when you need to do additional work to reduce or eliminate crop losses caused by an insured peril. Claims include everything you need to do and the inputs used to replant, reseed or save the crop, as calculated by Agricorp.

To be eligible:

  • Any work must be above and beyond what is normally required to avoid or reduce yield losses
  • Agricorp must first authorize the work and you must complete all emergency work required.

If an insured crop has been destroyed and replanted to another crop, the acreage concerned is no longer insured.

Abandonment claim

An abandonment claim is triggered when your yield is lower than the abandonment threshold established for each crop class. An Agricorp representative can authorize abandonment at any time in the season after appraising the damage.

Each crop class has a pre-determined abandonment threshold, based on the average yield  needed to break even.

Abandonment claim = insurable value x coverage level x damaged acres

Any non-incurred expenses will be deducted from the amount of the claim.

​For more details about all three claim types, see the Plan Overview.

Canadian Agricultural Partnership – Agricorp – Ontario – Canada