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Crop Averaging Program

The Crop Averaging Program (CAP) is a Crop Insurance option providing coverage for a basket of crops grown. This allows producers to insure at a higher overall coverage level compared to insuring each crop separately.

Coverage levels are available at 50, 60 ,70 and 80 per cent. You can select one coverage level, which is applied to all Crop Averaging Program eligible crops.

Eligible Crops

Only select crops are insurable under the Crop Averaging Program. This includes irrigated acres as well as organic and pedigreed crops.

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)


Customers can select and pay the Crop Averaging Program premium at the 50, 60, 70 and 80 per cent level in return for higher coverage. In some cases, producers would receive more than 10 per cent additional coverage (to a maximum 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.

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

The Crop Averaging Program cannot be combined with the Low Price Option, In-Season Price Option or Contract Price Option, and cannot be selected with Enhanced Irrigation.

Apply or Make Changes by March 31

You must endorse all Crop Averaging Program crops you intend to seed. To determine your additional coverage, please use our Crop Averaging Calculator (see below) or contact your customer service office.

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 SCIC 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.

View example


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; it 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