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Commercial Vegetable Pilot Program

The Commercial Vegetable Pilot Program is the result of our work with industry groups to deliver a risk management program that will assist when natural disasters impact commercial vegetable growers in Saskatchewan.

View Terms and Conditions

All SCIC customers are required to complete an application for insurance. SCIC regulations require eligible producers to demonstrate legal, financial and operational independence from all other producers.

To obtain a contract of insurance, visit a customer service office to complete an application for insurance before March 31. SCIC reserves the right to review any contract to ensure compliance with eligibility requirements. Where concerns are identified, the contract holder will be advised of these requirements in order to maintain their contract in future years.

Eligibility

The Commercial Vegetable Pilot Program provides risk management for the commercial vegetable growers and market gardens in Saskatchewan. Insurance is a per plant loss program and does not offer a production guarantee.

Program Information

Commercial vegetable producers insure their acres at the plant value, less a 30 per cent deductible in the event of a claim. Indemnities are paid for a per cent of plant loss. The producer is insured until harvest begins or until the fall cut-off date for the insured crop, whichever date is first.

Producers are advised to follow recommended agronomic practices, including seed treatment, crop rotations, recommended seeding and harvest dates, field management (including spray schedule), and other considerations. Failure to follow recommended practices may result in the reduction or denial of any claim, should a loss occur.

Insurance is currently offered based on two commercial vegetable crops, cabbage and pumpkins.

Stages of loss will be used for establishment where the liability would be equal to 35 per cent of the total liability and will continue until June 20. Full coverage is available on June 21. Varieties must be adapted to the areas in which they are grown and the site must be suitable for the crop/crops insured.

Insurance features and agronomic practices are included in the Terms and Conditions received following insurance selection.

Commercial Vegetable Pilot Program Prices

View this year's Commercial Vegetable Pilot Program prices.

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Seeding Dates for Insurance
     
Crop & Seeding Type Seeding Date Fall Cut Off
Pumpkins: Direct Seeding May 15 - June 15 October 1
Pumpkins: Transplant June 1 - June 20 October 1
Cabbage: Direct Seeding May 1 - June 15 October 20
Cabbage: Transplant May 15 - June 20 October 20

Your Claim

If you are in a claim situation, please contact your customer service office immediately. Claims must be reported at the time of damage, prior to removal of any damaged plants.

Indemnity payments can be deferred up to one year following your claim inspection date. If you wish to defer your claim, you must tell your adjuster before the cheque is issued.

Paying the Premium

Your premium is due as soon as you receive your Statement of Insurance. However, your 2022 premium is interest-free until September 30, 2022.

Interest will start to accrue October 1. If the account is paid by October 31, no interest will be charged.

After October 31, interest will be charged at the beginning of each month until the account is paid in full. Any contract with outstanding premiums not paid or not having payment arrangements made by the March 31, 2023, deadline will not be eligible for coverage in 2023.

Example #1 - Pumpkins

A customer insures 10 acres of pumpkins. They have approximately 2,420 pumpkin plants per acre. Pumpkins have a 30% deductible and a coverage rate of $3.36 per plant.

Total Pumpkin Plants:
2,420 pumpkin plants per acre x 10 acres = 24,200 pumpkin plants (using 6ft row spacing, 3ft between plants as an average seeding rate and row spacing)

Coverage Calculation:
Price ($) per plant x number of plants = 100% Coverage ($)
$3.36 x 24,200 = $81,312.00 (100% Coverage)

100% Coverage ($) x 70% (to account for 30% deductible) = Insured Coverage
$81,312.00 x 70% = $56,918.00 (Insured Coverage)

Premium Calculation:
100% Coverage ($) x Premium Rate (%) = Premium ($)
$81,312.00 x 11.70% = $9,513.50 (Total Premium)
Customer pays 40% = $3,805.40

Claim Calculation:
100% Coverage ($) x (% loss - deductible) = Claim ($)
If the loss is 50% (12,100 pumpkin plants are not marketable),
the claim is $81,312.00 x (50% - 30%) = $16,262.40

Example #2 - Cabbage

A customer insures 10 acres of cabbage. They have approximately 11,600 cabbage plants per acre. Cabbage has a 30% deductible and a coverage rate of $2.16 per plant.

Total Pumpkin Plants:
11,600 cabbage plants per acre x 10 acres = 116,000 cabbage plants (30 inches between rows and 18 inches between plants)

Coverage Calculation:
Price ($) per plant x number of plants = 100% Coverage ($)
$2.16 x 116,000 = $250,560.00 (100% coverage)

100% Coverage ($) x 70% (to account for 30% deductible) = Insured Coverage
$250,560.00 x 70% = $175,392.00 (Insured Coverage)

Premium Calculation:
100% Coverage ($) x Premium Rate (%) = Premium ($)
$250,560.00 x 3.00% = $7,516.80 (Total Premium)
Customer pays 40% = $3,006.72

Claim Calculation:
100% Coverage ($) x (% loss - deductible) = Claim ($)
If the loss is 50% (58,000 cabbage plants are not marketable),
the claim is $250,560.00 x (50% - 30%) = $50,112.00

Producer's premium and coverage will be calculated based on their seeding rate and row spacing. The examples above use an average seeding rate and row spacing.