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

• Strawberry fields in the first year of production
• Strawberry fields in the second year or more of production
• Second-year raspberry plantings
• Raspberry fields in production
• Second-year raspberry fields cultivated with Elite or Foundation plants intended for the production of certified plants

Risks covered

Plan A

• Drought
• Excessive wind, rain, humidity and heat
• Flood
• Hail
• Hurricanes, tornadoes
• Ice formation in soil or frost from November to April
• Late frost for fruit production
• 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

Plan D

• Late frost for fruit production

Protection offered

Benefit options:

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

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

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

Probable yield: based on your farm, expressed in:

• Kilograms per hectare;
• Number of canes per hectare.

End of coverage: At the end of harvesting but at the latest on November 14 for raspberry plants in the 2^nd year of planting.

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.

¹ Patches cultivated with Elite and Foundation plants and patches being established.

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:  November 15 preceding the insurance year.

Minimum area: 0.5 hectare per crop.

Farming methods: Abide by farming methods 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 Protection Policy for Lakeshores, Riverbanks, Littoral Zones and Flood¬plains, the insurable area is established excluding any one located on the three metre strip along riverbank as provided for in the regulation.

Change to certificate

No change may be made to crop insurance coverage by the participant after the enrolment deadline.

Notice of damage

When damage affects your insured crops, you must immediately notify La Financière agricole.

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

Compensation

EMERGENCY MEASURES:

Emergency measures may be authorized by La Financière agricole to mitigate or avoid a drop in yield.

An indemnity based on the rates in effect for the work done can be paid only for benefits options at 80%, 80% with abandonment, and 85%.

ABANDONMENT:

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.

However, when the benefit option covers only one risk, the drop in yield cannot exceed that attributable to the risk, 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.