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Crop Averaging Program

The Crop Averaging Program provides insurance coverage for a basket of crops grown by a producer. This allows producers to insure at a higher overall coverage level compared to insuring each crop separately but for the same premium cost. Coverage levels are available at 50, 60 ,70 and 80 per cent. Customers select one coverage level, which is applied to all Crop Averaging Program crops. Only select crops are insurable under this program. Irrigated acres are eligible for this option.

Eligible Crops
Crop Eligibility
Canada Prairie spring wheat
canary seed
identity-preserved canola
extra strong wheat
field peas
hard white spring wheat
hard red spring wheat
lentils (large green, red and other)
mustard (brown, oriental and yellow)

This includes Irrigated acres as well as organic and pedigreed crops.


Customers in the Crop Averaging Program (CAP) can select and pay premium at the 50, 60, 70 and 80 per cent level in return for higher coverage. In some cases, producers would receive more than ten per cent additional coverage (to a maximum of 90 per cent), depending on their own crop mix. The Crop Averaging Program allows producers to basket production on all their eligible crops in return for higher coverage. This option cannot be combined with the In-Season or Contract Price Option. This option cannot be selected with Enhanced Irrigation.

For example, a producer selecting 80 per cent coverage can receive up to 90 per cent coverage when combining their crops.

You must endorse all Crop Averaging Program eligible crops you intend to seed. To determine your additional coverage, please use the Crop Averaging Program coverage and premium “what if” calculator available in our Resource Centre or at your customer service office. The CAP calculator will provide you with the coverage level possibilities depending on the combination of crops and number of acres selected.

Changing your seeding plans or updating your individual coverage after March 31 may affect your coverage level. If your seeding plans change and you would like to know how it will impact your Crop Averaging Program coverage, contact your customer service office.

If you seed an eligible crop you did not endorse under the Crop Averaging Program by March 31, it will automatically be endorsed and included according to the information you provide on your Seeded Acreage Report. The coverage level will be recalculated based on the insured acres as provided on your Seeded Acreage Report.

Crop Averaging Program Calculator

Complete generic coverage and premium calculations to determine coverage options. Coverage levels are available at 50, 60, 70 and 80 per cent.
Note: Please have your long-term individual yields to complete a more personalized calculation. Your individual yields are available on your current Coverage Detail, through CropConnect or from your customer service office. If you do not have your long-term yields, you will be asked to enter your risk zone and soil class.


Crop Averaging Coverage Example

Example provides as a walkthrough to understanding coverage for the Crop Averaging Program.

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A Crop Averaging Program claim is paid based on the total value of crops harvested compared to the total dollar coverage on all crops. The dollar value is used to calculate the total production loss; does not provide a guarantee of market price. You must declare all of your production before a claim can be filed. Your Statement of Indemnity will include your final claim calculation.

Crop Averaging Program Claim Examples

Examples provide walkthroughs of two different claim scenarios.

View examples