Productions covered

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

Insurable crops

Categories                             Crops
Perennial vegetables:          Asparagus and rhubarb

Risks covered

Plan A

• Excessive wind, rain, humidity and heat
• Floods
• Frost, hail, snow, hurricanes, tornadoes, drought
• Ice formation in the soil from November to April
• 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

Plan B

• Hail

Plan C (plant mortality)

• Ice formation in the soil from November to April
• Uncontrollable insects and diseases

Plan D

• Late frost (spring) and early frost (fall)

Protection offered

Benefit options:
Plan A: 60%, 70%, 80% or 80% with abandonment of the total insurable yield.

Plan B: 60%, 70%, 80%, 80% with abandonment or 85% of the total insurable yield.

Plan C: 95% of the total insurable value.

Plan D: 60%, 70%, 80%, 80% with abandonment or 85% of the total insurable yield.

Deductibles: 40%, 30%, 20%, 15% or 5% according to the benefit option chosen.

Probable yield: Based on your farming enterprise, expressed in kilograms per hectare or units per hectare, depending on each crop.

Unit price: Based on the production cost.

Start of coverage:

• Plan A: November 1 preceding the insurance year.
• Plans B and D: April 30.
• Plan C:
  • November 1 preceding the insurance year for second year plants and over;
  • April 30 for the first planting year.

End of coverage:

• Plans A, B and D: At harvest completion.
• Plan C: October 31.

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

Deadline for enrolment:

• Plan A: November 1 preceding the insurance year.
• Plans B and D: April 30.
• Plan C:
  • November 1 preceding the insurance year for second year plants and over;
  • April 30 for the first planting year.

Specific terms:

• Minimum area: 1.0 hectare per crop
• Area accepted following an inspection
• Insure all crops covering one hectare and over included in a same subcategory. However, if the area of the crop to be insured is at least 5 hectares, it is possible to insure only that crop
• Abide by the standards recommended by the Centre de référence en agriculture et agroalimentaire du Québec 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 AOR, La Financière agricole excludes from insurable areas those on which it is prohibited to cultivate crops. This measure may concern in particular areas that have been deforested and used for agricultural purposes while on the territory of one of the municipalities listed in the AOR.
  
  
• In accordance with the Protection Policy for Lakeshores, Riverbanks, Littoral Zones and Floodplains, La Financière agricole excludes from insurable areas those cultivated within a three metre strip of vegetation with respect to riverbanks.

Changes to certificate

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

Deadline for modifications: August 1.

No change may be made to crop insurance coverage by the participant after the enrolment deadline when that deadline is November 1.

Notice of damage

When damage occurs to your insured crops, 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 carried out when the crop is still standing.

Failure to report damage within the prescribed time limits may lead to the loss of your right to compensation.

Compensation

ABANDONMENT:

Abandonment may be authorized at any time in the season providing that a representative from La Financière agricole is able to appraise the damage in the field. Losses are estimated taking into account by considering the marketing standards and vegetable grades listed in the Canada Agricultural Products Standards Act (R.S., ch. A-8) and the Fresh Fruit and Vegetable Regulations (C.R.C., ch. 285).

Damage severely affecting some or all of the crop is compensated only for the 80% benefit option with abandonment, and as follows:

Minimum area: Entire field or 0.5 hectare (undivided).

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

DROP IN YIELD:

When damage causes a loss greater than the deductible listed on the certificate.

When the benefit option only covers certain risks, the loss in yield indemnified cannot exceed that attributable to these risks, as determined by La Financière agricole.

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.of the regulation in effect and of the agreements with the Government of Canada.