Productions covered

Individual crop insurance offers you personalized coverage, tailored to the needs of your farming enterprise. It is based on your farm's production volume.

Insurable crops

Wild blueberries produced in cultivated blueberry fields.

Risks covered

• Drought
• Excessive wind, rain, humidity and heat
• Floods
• Frost and ice formation in soil, from November to April
• Hail
• Hurricanes and tornadoes
• Snow
• Uncontrollable insects and diseases
• Wild animals against which there is no adequate means of protection, with the exception of the waterfowl provided for through the Waterfowl Plan under the Federal-Provincial Agreement for AgriProtection

Protection offered

Benefit options: 60%, 70% or 80% of the total insurable yield.

Deductibles: 40%, 30% or 20% according to the benefit option chosen.

Probable yield: Based on your farm, expressed in kilograms per hectare.
End of coverage: At harvest completion or on the final date that coverage is offered in each region, namely:

• Témiscamingue : September 12
• Saguenay - Lac-Saint-Jean : September 14
• Côte-Nord : September 20

Financing of the premium

The financing of the premium for the Crop Insurance Program, assumed by the governments and the participant, varies according to the different benefit options.

The governments cost-share in a proportion of 60% for Canada and 40% for Québec.

Financing of the administrative costs

The costs inherent in administering the Crop Insurance Program are shared in a proportion of 60% by the Government of Canada and 40% by the Government of Québec.

Enrolment

Enrolment deadline: December 1 preceding the insurance year.

Minimum area: 4 hectares.

Specific terms: Insure all fields in first and second-year production.

Farming methods: Abide by the farming methods recommended by MAPAQ or approved by La Financière agricole.

Cross compliance measures

• When the Ministère du Développement durable, de l'Environnement et des Parcs (MDDEP) transmits information to La Financière agricole establishing that the participant did not submit a valid phosphorus report as stipulated under the Agricultural Operations Regulation (AOR), the participant loses the right to any compensation for the current insurance year for all the insured products. Moreover, the participant will be required to pay, as an administrative fee, an amount equal to the contribution that would have been due on all the insured products.
  
  The provisions related to the phosphorus report concern all the raising or spreading sites owned, leased or on which the operation custom produces. It targets all the operation's productions, whether or not they are covered by stabilization insurance.
  
  For more information on the requirements related to the phosphorus report, participants should consult their agrologist or their regional office of the MDDEP.
  
  
• In accordance with the Protection Policy for Lakeshores, Riverbanks, Littoral Zones and Floodplains, La Financière agricole excludes from insurable units cultivated units within a three metre strip of vegetation with respect to riverbanks.

Changes to certificate

You must notify La Financière agricole of any changes to your agricultural program that could modify your insurance certificate.

Deadline for modifications: August 1.

Notice of damage

When damage occurs to your blueberry fields, you must notify La Financière agricole immediately.

Minimum period for notice of damage: 2 working days before harvesting begins so that an appraisal can be made while the crop is still standing.

Failure to notify La Financière agricole of damage within the prescribed time limits may lead to the loss of your right to compensation.

Compensation

DROP IN YIELD:

• When damage causes a loss greater than the deductible listed on the certificate.
• Actual yield is determined using all available documen¬ted proof: Crop registers, invoice receipts, declarations.
• Quantities delivered to frozen food factories are subsequently verified.

Salvage value and nonincurred expenses: Deducted from compensation, if any.

Application for review

Any request for a review of a final decision rendered regarding a participant's insurance file must be made in writing, explaining the motives behind the request, and sent to the Service Centre in charge of the participant's file or delivered in person to a representative of La Financière agricole within ninety (90) days from the date of the decision in question. However, program conditions and parameters or program premises, the results of collective appraisals for crop insurance losses and exclusion from programs for motives provided for in the programs may not be subject to a request for a review.

This coverage summary in no way takes precedence over the provisions of the Program, of the regulation in effect and of the agreements with the Government of Canada.