Annex D: Coverage level and deductible

1.0 Yield-Based Coverage

  • 1.1 Agricultural Products funded at all the different Production Loss Coverage levels:
Field grains and oilseeds
Agricultural ProductCoverage level: comprehensiveCoverage level: high cost
Adzuki Beans70%, 75%, 80%85% (9% rule)
Barley70%, 75%, 80%, 85%N/A
Black Bean70%, 75%, 80%, 85%N/A
Canola70%, 75%, 80%85% (9% rule)
Corn75%, 80%, 85%, 90%N/A
Cranberry Bean70%, 75%, 80%, 85%N/A
Flax70%, 75%, 80%N/A
Japan/Other Beans70%, 75%, 80%85% (9% rule)
Kidney Bean70%, 75%, 80%, 85%N/A
Mustard70%, 75%, 80%N/A
Oats70%, 75%, 80%, 85%N/A
Organic Corn75%, 80%, 85%, 90%N/A
Popping Corn70%, 75%, 80%N/A
Seed Corn80%, 85%, 90%80% (Risk splitting option)
Soybeans – Conventional75%, 80%, 85%, 90%N/A
Soybeans – Natto75%, 80%, 85%, 90%N/A
Soybeans – Organic75%, 80%, 85%90% (95 rule)
Soybeans – Pedigreed seed75%, 80%, 85%, 90%N/A
Soybeans – Tofu75%, 80%, 85%, 90%N/A
Spring Grain70%, 75%, 80%, 85%N/A
Spring Wheat70%, 75%, 80%, 85%, 90%N/A
Spring Wheat – Pedigreed seed70%, 75%, 80%, 85%, 90%N/A
Sunflowers70%, 75%, 80%N/A
White Beans70%, 75%, 80%, 85%N/A
Winter Spelt - Organic75%, 80%, 85%90% (9% rule)
Winter Wheat - Hard Red75%, 80%, 85%, 90%N/A
Winter Wheat - Hard White75%, 80%, 85%, 90%N/A
Winter Wheat – Organic75%, 80%85%, 90% (9% rule)
Winter Wheat – Pedigreed seed75%, 80%, 85%, 90%N/A
Winter Wheat - Soft Red75%, 80%, 85%, 90%N/A
Winter Wheat - Soft White75%, 80%, 85%, 90%N/A
Fruit
Agricultural ProductCoverage level: comprehensiveCoverage level: high cost
Apples70%, 75%, 80%70%, 75%, 80% (Risk splitting option)
85% (9% rule, districts 1,2,3 & 5)
Grapes: Hybrid70%, 75%, 80%, 85%, 90%N/A
Grapes: Labrusca70%, 75%, 80%85%, 90% (9% rule)
Grapes: Vinifera70%, 75%, 80%85%, 90% (9% rule)
Nectarines (Multi-peril and hail only)70%, 75%, 80%85%, 90% multi-peril option (9% rule)
Peaches (Multi-peril and hail only)70%, 75%, 80%85%, 90% multi-peril option (9% rule)
Pears (Multi-peril and hail only)70%, 75%, 80%85% multi-peril option (9% rule)
Plums70%, 75%, 80%85% (9% rule)
Sour Cherries70%, 75%, 80%85% (9% rule)
Strawberries70%, 75%, 80%85% (9% rule)
Sweet Cherries65%, 70%, 75%, 80%85% (9% rule)
Vegetables
Agricultural ProductCoverage level: comprehensiveCoverage level: high cost
Asparagus70%, 75%, 80%, 85%90% (9% rule)
Butternut Squash (Processing)70%, 75%, 80%N/A
Carrots (Fresh market)65%, 70%, 75%, 80%N/A
Carrots (Processing)65%, 70%, 75%, 80%N/A
Cucumbers-Hand70%, 75%, 80%, 85%N/A
Cucumbers-Machine70%, 75%, 80%, 85%N/A
Green Peas (Processing)80%80% (Risk splitting option)
85% (9% rule)
Green & Wax Beans (Processing)80%80% (Risk splitting option)
85% (9% rule)
Lima Beans (Processing)80%85% (9% rule)
Onions (Seed)70%, 75%, 80%N/A
Onions (Set)70%, 75%, 80%N/A
Onions (Spanish)70%, 75%, 80%N/A
Banana Peppers70%, 75%, 80%N/A
Bell Peppers70%, 75%, 80%N/A
Fresh Market Potatoes70%, 75%, 80%, 85%90% (9% rule)
Processing Potatoes70%, 75%, 80%, 85%, 90%N/A
Red Beets70%, 75%, 80%, 85%N/A
Rutabagas70%, 75%, 80%N/A
Sweet Corn (Processing)80%, 85%, 90%80% (Risk splitting option)
Sweet Corn (Organic)80%, 85%80% (Risk splitting option)90% (9% rule)
Tomatoes90%N/A
Other
Agricultural ProductCoverage level: comprehensiveCoverage level: high cost
Black Tobacco75%, 80%, 85%, 90%N/A
Burley Tobacco70%, 75%, 80%N/A
Flue-Cured Tobacco80%, 85%, 90%N/A
Hemp70%N/A
Honey70%, 75%, 80%N/A
Peanuts70%, 75%, 80%N/A
Sugar Beets70%, 75%, 80%, 85%, 90%N/A

2.0 Non-Yield-Based Coverage

  • 2.1 The maximum Coverage Level shall be determined on the basis of the following formulas:
    1. 90% of the Value of Production for Insurance Plans not based on yield if production of the Agricultural Product is reduced by weather or other agricultural perils; or
    2. for all other Insurance Plans not based on yield (Except Livestock Insurance Plans offered by the Province), as covered under clause 15 of the Regulations, 100% of the Value of Production minus the long-term average loss percentage for the Agricultural Product or 90% of the value of production if the long-term average loss percentage cannot be determined.
    3. Where applicable, the maximum Coverage Level for Livestock Insurance Plans are set out in the Directives for Livestock Production Insurance – Companion Document to the Canada Production Insurance Regulations.
  • 2.2 The long-term average loss percentage and the deductible are set out in the following tablefootnote 1.
Insurance plan nameLong-term loss percentagefootnote 2 %Deductible percentage %
Apple tree3%3%, 7.5%
Bee health40%40%
Forage rainfallN/A15%
Fruit vegetablesN/A15%, 20%, 30%, 40%
Grapevines – Hybrids5%5%, 12.5%
Grapevines – Labrusca3%3%, 12.5%
Grapevines – Vinifera8%8%, 12.5%
Leafy vegetablesN/A15%, 20%, 30%, 40%
Other vegetablesN/A15%, 20%, 30%, 40%
Peach and/or Nectarine trees6%6%, 11%
Pear trees3%3%, 7.5%
Plum trees4%4%, 9%
Root vegetablesN/A15%, 20%, 30%, 40%
Sour cherry trees5%5%, 10%
Sweet cherry trees5%5%, 10%
  • 2.3 Insurance Plans that do not use the strict long-term average loss but offers a lump sum amount for specific coverage (for example, forage establishment, excess moisture, unseeded acreage, etc.).
    • Premium New Forage Seeding 100% Coverage (10% deductible)
    • Standard new Forage Seeding 100% Coverage (35% deductible)

Footnotes

  • footnote[1] Back to paragraph This table includes the most recent information available and is updated each crop year a signed Operational Document is required.
  • footnote[2] Back to paragraph No value (as denoted by “N/A“) indicates where data is not available to calculate a credible long-term loss percentage. In these cases, in accordance with Section 3 of the Regulations, the deductible percentage must be 10% or greater.