Annex D: Coverage level and deductible
1.0 Yield-Based Coverage
- 1.1 Agricultural Products funded at all the different Production Loss Coverage levels:
| Agricultural Product | Coverage level: comprehensive | Coverage level: high cost |
|---|---|---|
| Adzuki Beans | 70%, 75%, 80% | 85% (9% rule) |
| Barley | 70%, 75%, 80%, 85% | N/A |
| Black Bean | 70%, 75%, 80%, 85% | N/A |
| Canola | 70%, 75%, 80% | 85%, 90% (9% rule) |
| Corn | 75%, 80%, 85%, 90% | N/A |
| Cranberry Bean | 70%, 75%, 80%, 85% | N/A |
| Flax | 70%, 75%, 80% | N/A |
| Japan/Other Beans | 70%, 75%, 80%, 85% | N/A |
| Kidney Bean | 70%, 75%, 80%, 85% | N/A |
| Mustard | 70%, 75%, 80% | N/A |
| Oats | 70%, 75%, 80%, 85% | N/A |
| Organic Corn | 75%, 80%, 85% | 90% (9% rule) |
| Popping Corn | 70%, 75%, 80% | N/A |
| Seed Corn | 80%, 85%, 90% | 80% (Risk splitting option) |
| Soybeans — Conventional | 75%, 80%, 85%, 90% | N/A |
| Soybeans — Natto | 75%, 80%, 85%, 90% | N/A |
| Soybeans — Organic | 75%, 80%, 85% | 90% (9% rule) |
| Soybeans — Pedigreed seed | 75%, 80%, 85%, 90% | N/A |
| Soybeans — Tofu | 75%, 80%, 85%, 90% | N/A |
| Spring Grain | 70%, 75%, 80%, 85% | N/A |
| Spring Wheat | 70%, 75%, 80%, 85%, 90% | N/A |
| Spring Wheat — Pedigreed seed | 70%, 75%, 80%, 85%, 90% | N/A |
| Sunflowers | 70%, 75%, 80% | N/A |
| White Beans | 70%, 75%, 80%, 85% | N/A |
| Winter Spelt — Organic | 75%, 80%, 85% | 90% (9% rule) |
| Winter Wheat — Hard Red | 75%, 80%, 85%, 90% | N/A |
| Winter Wheat — Hard White | 75%, 80%, 85%, 90% | N/A |
| Winter Wheat — Organic | 75%, 80% | 85%, 90% (9% rule) |
| Winter Wheat — Pedigreed seed | 75%, 80%, 85%, 90% | N/A |
| Winter Wheat — Soft Red | 75%, 80%, 85%, 90% | N/A |
| Winter Wheat — Soft White | 75%, 80%, 85%, 90% | N/A |
| Agricultural Product | Coverage level: comprehensive | Coverage level: high cost |
|---|---|---|
| Apples | 70%, 75%, 80% | 70%, 75%, 80% (Risk splitting option) 85% (9% rule) |
| Grapes: Hybrid | 70%, 75%, 80%, 85%, 90% | N/A |
| Grapes: Labrusca | 70%, 75%, 80% | 85%, 90% (9% rule) |
| Grapes: Vinifera | 70%, 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) |
| Plums | 70%, 75%, 80% | 85% (9% rule) |
| Sour Cherries | 70%, 75%, 80% | 85% (9% rule) |
| Strawberries | 70%, 75%, 80% | 85% (9% rule) |
| Sweet Cherries | 65%, 70%, 75%, 80% | 85% (9% rule) |
| Agricultural Product | Coverage level: comprehensive | Coverage level: high cost |
|---|---|---|
| Asparagus | 70%, 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-Hand | 70%, 75%, 80%, 85% | N/A |
| Cucumbers-Machine | 70%, 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% | 85%, 90% (9% rule) |
| Onions (Set) | 70%, 75%, 80% | 85%, 90% (9% rule) |
| Onions (Spanish) | 70%, 75%, 80% | 85%, 90% (9% rule) |
| Banana Peppers | 70%, 75%, 80% | N/A |
| Bell Peppers | 70%, 75%, 80% | N/A |
| Fresh Market Potatoes | 70%, 75%, 80%, 85% | 90% (9% rule) |
| Processing Potatoes | 70%, 75%, 80%, 85%, 90% | N/A |
| Red Beets | 70%, 75%, 80%, 85% | N/A |
| Rutabagas | 70%, 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) |
| Tomatoes | 90% | N/A |
| Agricultural Product | Coverage level: comprehensive | Coverage level: high cost |
|---|---|---|
| Black Tobacco | 75%, 80%, 85%, 90% | N/A |
| Burley Tobacco | 70%, 75%, 80% | N/A |
| Flue-Cured Tobacco | 80%, 85%, 90% | N/A |
| Hemp | 70% | N/A |
| Honey | 70%, 75%, 80% | N/A |
| Peanuts | 70%, 75%, 80% | N/A |
| Sugar Beets | 70%, 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:
- 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
- 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.
- 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 table
footnote 1 .
| Insurance plan name | Long-term loss percentage | Deductible percentage % |
|---|---|---|
| Apple tree | 3% | 3%, 7.5% |
| Bee health | 40% | 40%, 80% |
| Forage rainfall | N/A | 15% |
| Fruit vegetables | N/A | 15%, 20%, 30%, 40% |
| Grapevines — Hybrids | 5% | 5%, 12.5% |
| Grapevines — Labrusca | 3% | 3%, 12.5% |
| Grapevines — Vinifera | 8% | 8%, 12.5% |
| Leafy vegetables | N/A | 15%, 20%, 30%, 40% |
| Other vegetables | N/A | 15%, 20%, 30%, 40% |
| Peach and/or Nectarine trees | 6% | 6%, 11% |
| Pear trees | 3% | 3%, 7.5% |
| Plum trees | 4% | 4%, 9% |
| Root vegetables | N/A | 15%, 20%, 30%, 40% |
| Sour cherry trees | 5% | 5%, 10% |
| Sweet cherry trees | 5% | 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.
Updated: November 19, 2024
Published: February 16, 2024