Vegetable Acreage Loss Insurance

Vegetable Acreage Loss insurance provides commercial vegetable growers with coverage for total loss of any acreage of a vegetable crop due to natural perils.

Eligibility

Commercial vegetable producers who have planted a minimum of 0.5 acres of an eligible vegetable crop are eligible.

Eligible vegetable crops include:

Broccoli
Cabbage
Cauliflower
Carrots
Parsnips
Rutabagas
Sweet Corn

Cooking Onions
Other Onions
Leeks
Peppers
Pumpkins
Winter Squash

Considerations

Vegetables must be adequately irrigated.
Qualifying acreages can only be insured under the Vegetable Acreage Loss program or AgriInsurance (not both).
Landlords are not eligible.
March 31 is the last day to apply for Vegetable Acreage Loss Insurance, make changes (add or delete crops and change coverage levels) or to cancel AgriInsurance.

Coverage

Crops seeded during the extended coverage direct seeding period will have coverage reduced by 20 per cent.
The grade guarantee is ‘Marketable Production.’
An early loss indemnity of 25 per cent of coverage applies for destroyed crops until the end of the extended coverage direct seeding deadline for reduced coverage.
In the event of an early loss indemnity, insurance continues if the acreage is subsequently planted to the same vegetable crop, but is reduced by the amount of the indemnity paid for early loss.
Alternatively, coverage of the original crop ceases if the affected acreage is planted to a different crop, and a new premium is due, with the applicable coverage available on the subsequent crop.
Once the early loss stage has passed, and in the event of a claim, a deductible of 10 per cent of the total insured acreage planted to the affected eligible vegetable crop will be applied.
Coverage ceases when the crop is harvested or when normal harvesting should have been completed.
June 30 is the last day to file Seeded Acreage Reports. Due to the later transplant deadlines for broccoli, cabbage, and cauliflower, producers who grow these crops must file a supplementary Seeded Acreage Report by July 31 to declare the final acreage planted.

There is no discount or surcharge applied to premiums for this program.

The premium cost is shared 40 per cent by the producer, 36 per cent by the Government of Canada, and 24 per cent by the Province of Manitoba.

Claims

MASC must be notified by the insured of losses within three days of the loss occurring.
Affected acreage must be in blocks of one-tenth of an acre or more. The affected crop cannot be destroyed until inspected by MASC.
Once inspected, if the potential yield is below a salvage threshold of 15 per cent, the producer may salvage (harvest) that yield and still be eligible for a full Vegetable Acreage Loss indemnity. The damaged acreage must be destroyed by tillage or some other method acceptable to MASC.
Producers are not eligible for a claim if the affected crop’s potential yield is over the 15 per cent salvage threshold.

Eligible Vegetable Crop	Direct Seeding Deadline	Extended Coverage Direct Seeding Deadline	Transplant Deadline
Cauliflower	May 25	May 26 to May 30 (inclusive)	July 15
Carrots	June 15	June 16 to June 20 (inclusive)	n/a
Cooking Onions, Other Onions, Parsnips	June 6	June 7 to June 11 (inclusive)	n/a
Cabbage	June 6	June 7 to June 11 (inclusive)	July 15
Sweet Corn	June 10	June 11 to June 15 (inclusive)	n/a
Rutabagas Broccoli Peppers Leeks Pumpkins	June 20 June 30 n/a n/a June 6	n/a n/a n/a n/a	n/a July 15 June 10 June 15 June 20
Winter Squash	June 6	June 7 to June 11 (inclusive)	June 20