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Individual Premium

Beginning in 2023, Crop Insurance customers have an Individual Premium for each crop based on personal claim history compared to the claim history of other producers for the same crop, within the same risk area.

SCIC calculates a base premium annually for each crop, in each risk zone. With Individual Premium, a premium adjustment (increase or decrease from base premium) is calculated individually for each crop a customer insures.

These adjustments help ensure producers are charged appropriately based on their risk for growing a certain crop, while accounting for any previous claims history for that crop. Individual Premium is responsive, offering a direct representation of what happens in the risk zone.

Individual Premium

New customers and customers choosing to insure a new crop for the first time do not have any Crop Insurance history to use in the Individual Premium calculation. In these situations, customers pay the base premium for each crop until they have their own claim history to factor in to a weighted calculation of personal and risk zone data.

For more information specific to your situation, please contact your local SCIC office.

Saskatchewan Risk Zones

Saskatchewan is divided into 23 grain risk zones and 17 forage risk zones. These maps outline the borders of those risk zones.

Grain Risk Zones Forage Risk Zones

FAQs: Understanding Individual Premium

VIDEO: SCIC Acting President and CEO Jeff Morrow answers frequently asked questions about Individual Premium.

Watch video here

Some crops are excluded from Individual Premium because they are insured under the New Crops program or one of SCIC's weather-based programs. These new crops do not have sufficient historical information to determine an Individual Premium; and weather-based programs are not tied to individual experience.

Crops excluded from Individual Premium:

  • Camelina
  • Dryland Beans
  • Grain Corn
  • Honey
  • Hemp
  • Timothy Hay
  • Vegetables
  • Wild Rice

Programs excluded from Individual Premium calculations:

  • Bee Mortality
  • Weather-based programs
  • Forage Diversification Option
  • Fruit Tree Insurance Program


Check out our FAQ section for some common questions about Individual Premium, Crop Insurance and more.

Learn more!

For each insured crop, you have an Individual Premium unique to your farm. To learn more and discuss what Individual Premium means for your operation, contact us or request a call back at a time convenient for you.

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