How can I customize my farm insurance?

Glad You Asked

Get straight-forward, informed answers to your most important insurance questions.

Question Categories

General Questions

  • What does my farm insurance cover me for?
    Glad You Asked

    We want to make sure you understand your insurance coverage and the options available to you. Weather it's yield loss due to quality or quantity, crops failing to establish, wildlife damage to crops, predator attacks on livestock, declines in livestock prices or overall negative financial impacts to your bottom line, SCIC programs can provide the coverage you need.

    Contact us today to learn more about your coverage and business risk management options available. We understand each farm operation is different and there are many options available to manage your farm’s risk. Our experts provide straight-forward, informed answers to your insurance questions.

  • The weather isn’t cooperating. What are my insurance options?
    Glad You Asked

    At SCIC, we are proud to provide a wide variety of insurance options for your farm. If unfavourable weather is impacting your farm, business risk management programs like AgriStability may help. To participate in AgriStability for the 2020 program year, please contact us before July 3, 2020, and request a new participant package. 

    If you are a Crop Insurance customer, you may have coverage within one of our Weather-Based Programs or be eligible for an Establishment Benefit on your crop.

    Contact us today to learn more about your coverage and business risk options available. We understand each farm operation is different and there are many options available to manage your farm’s risk. Our experts provide straight-forward, informed answers to your insurance questions.

  • How is SCIC keeping staff and producers safe during COVID-19?
    Glad You Asked

    SCIC is taking additional precautions to keep our staff and the public safe during these unprecedented times. Full details are available here: scic.ca/covid-19

  • How can I customize my farm insurance?
    Glad You Asked

    We understand each farm operation is different and there are many options to manage your farm’s risk. Along with providing personalized coverage by using your own farm’s production values, we also recognize the management practices of each farm. The Crop Insurance Program offers a range of choices, including pricing options and coverage selections so you can custom-fit insurance for your own operation. 

    SCIC offers various options within the Crop Insurance Program, as well as AgriStability, the Western Livestock Price Insurance Program and the Wildlife Damage Program, which can all work together to provide comprehensive risk management for your farm. 

    Whether you want more information for customizing your insurance or have questions about your coverage, helping you is exactly what we’re here for! Contact your local SCIC office to have a conversation with staff, or call us toll-free at 1-888-935-0000, to discuss the best options to meet your farm’s needs.

  • How can I contact SCIC while I’m social distancing?
    Glad You Asked

    For inquiries about the Crop Insurance, Wildlife Damage Compensation, or Western Livestock Price Insurance Program, please call toll-free: 1-888-935-0000 or email: customer.service@scic.ca.

    For inquiries about the AgriStability Program, please call toll-free: 1-866-270-8450 or email: agristability@scic.ca.

  • What insurance is available for my livestock?
    Glad You Asked

    SCIC is pleased to offer a wide variety of insurance options for livestock producers – including Crop Insurance (forage coverage and weather-based forage programs), AgriStability, and the Western Livestock Price Insurance Program. Plus, the Wildlife Damage Program is also available to all Saskatchewan producers to provide compensation for wildlife damage to your crop in the field, stacked hay or greenfeed in the yard, or predator attacks on your livestock.


Crop Insurance

  • What does my farm insurance cover me for?
    Glad You Asked

    We want to make sure you understand your insurance coverage and the options available to you. Weather it's yield loss due to quality or quantity, crops failing to establish, wildlife damage to crops, predator attacks on livestock, declines in livestock prices or overall negative financial impacts to your bottom line, SCIC programs can provide the coverage you need.

    Contact us today to learn more about your coverage and business risk management options available. We understand each farm operation is different and there are many options available to manage your farm’s risk. Our experts provide straight-forward, informed answers to your insurance questions.

  • The weather isn’t cooperating. What are my insurance options?
    Glad You Asked

    At SCIC, we are proud to provide a wide variety of insurance options for your farm. If unfavourable weather is impacting your farm, business risk management programs like AgriStability may help. To participate in AgriStability for the 2020 program year, please contact us before July 3, 2020, and request a new participant package. 

    If you are a Crop Insurance customer, you may have coverage within one of our Weather-Based Programs or be eligible for an Establishment Benefit on your crop.

    Contact us today to learn more about your coverage and business risk options available. We understand each farm operation is different and there are many options available to manage your farm’s risk. Our experts provide straight-forward, informed answers to your insurance questions.

  • What is a Seeded Acreage Report?
    Glad You Asked

    For producers participating in Crop Insurance, the Seeded Acreage Report is necessary to calculate your level of insurance and process your claims. You must submit a Seeded Acreage Report declaring your seeded acres no later than June 25.

    You do not have any Crop Insurance coverage until you report your acres on your Seeded Acreage Report. If you suffer a crop loss and have not reported your acres by June 25, your claim may be denied. 

    Seeded Acreage Report forms will be mailed to you in May. You can phone, fax, or mail your Seeded Acregae Report to any SCIC customer service office or you can use CropConnect to complete personalized reports online. If you fail to submit or are late, you may be assessed a penalty of $60. If necessary, an adjuster will visit your farm to gather the required additional information at an additional charge.

  • Why should I report my stored grain?
    Glad You Asked

    Unreported stored grain is considered new production and will be added to a producer’s final crop production total, potentially reducing yield-loss claim payments.

    Filing your stored grain information will result in more accurate claim payments. The deadline to file a Stored Grain Declaration is June 25. 

    You can phone, fax, or mail your Stored Grain Declaration to any SCIC customer service office or you can use CropConnect to complete declaration online.

  • Am I eligible for the Establishment Benefit?
    Glad You Asked

    Crops that fail to adequately establish or suffer significant damage due to insurable causes before June 20 are eligible for an establishment benefit.  Click here to learn more.

  • If it is too wet to seed, what are my options?
    Glad You Asked

    The Unseeded Acreage (USA) feature is included with multi-peril insurance coverage. All Crop Insurance customers have this protection for land too wet to seed due to excessive spring moisture.

    If you are experiencing wet acres this spring, you can file a Unseeded Acreage claim by June 25. Submit the claim through your CropConnect account or by speaking to your SCIC office. 

    For more information about your Crop Insurance coverage or to file a Unseeded Acreage claim, contact your local SCIC office or call us at 1-888-935-0000.

  • How can I customize my farm insurance?
    Glad You Asked

    We understand each farm operation is different and there are many options to manage your farm’s risk. Along with providing personalized coverage by using your own farm’s production values, we also recognize the management practices of each farm. The Crop Insurance Program offers a range of choices, including pricing options and coverage selections so you can custom-fit insurance for your own operation. 

    SCIC offers various options within the Crop Insurance Program, as well as AgriStability, the Western Livestock Price Insurance Program and the Wildlife Damage Program, which can all work together to provide comprehensive risk management for your farm. 

    Whether you want more information for customizing your insurance or have questions about your coverage, helping you is exactly what we’re here for! Contact your local SCIC office to have a conversation with staff, or call us toll-free at 1-888-935-0000, to discuss the best options to meet your farm’s needs.

  • How do quality factors work?
    Glad You Asked

    When selecting your Crop Insurance coverage, you have a determined production guarantee and a designated grade for the crop you are insuring.

    To determine the amount of compensation for quality loss, SCIC uses a formula that makes up the difference between the value of the harvested production and the value of the designated grade for the insured crop. The difference is known as a quality factor and this factor is applied to the harvested production when calculating the final Crop Insurance payment. 

  • What can I do if there is flooding on my land?
    Glad You Asked

    SCIC has an establishment benefit program for crops that are seeded but fail to establish by June 20. After this date, insured crops are eligible for yield loss.

    For more information and how the establishment benefit works with your coverage, please contact your local SCIC office or call us at 1-888-935-0000.

  • Can I be in both Crop Insurance and AgriStability?
    Glad You Asked

    Absolutely! SCIC encourages producers to consider participating in both Crop Insurance and AgriStability Programs as part of a comprehensive risk management plan for their farming operation.

    With Crop Insurance, you have coverage for your crops from the start of seeding season until harvest is complete. Through AgriStability, you have even further coverage for other uncontrollable events throughout the year (such as rising input costs, falling commodity prices or unforeseen additional expenses. Since AgriStability accounts for the whole farm, the Program can provide benefit payments even if you also receive a Crop Insurance payment.

  • How are Crop Insurance prices set?
    Glad You Asked

    The base prices for grain crops are established on the basis of January price forecasts provided by the Market Analysis Group of Agriculture and Agri-Food Canada. These prices represent the expected farm gate market price for the coming crop year. As a producer, you have the option of selecting from a variety of price options, including: Base and Low Price Options; In-Season Price Option; and Contract Price Option. 

  • How is my Crop Insurance coverage calculated?
    Glad You Asked

    Crop Insurance covers both production and quality. Your coverage is based on what you have grown over the long term and the coverage option you selected.

    Please contact your local SCIC office or call us at 1-888-935-0000 to discuss the details of your farm's coverage. 

  • What if I decide to not harvest my crop, but bale it instead?
    Glad You Asked

    If you wish to put your insured acres to a use other than harvesting, you must notify SCIC prior to destroying or putting those acres to an alternate use. 

    Click here to learn more about Pre-Harvest Appraisals.

  • What is a premium discount or surcharge?
    Glad You Asked

    Premium discounts and surcharges acknowledge risk differences between customers. These discounts and surcharges are calculated using a customer’s individual history of losses and a comparison of individual loss history to area losses. When an increase in the number or size of losses is experienced, the discount, if present, is reduced or the surcharge is increased.

  • How does the Establishment Benefit work for fall seeded crops?
    Glad You Asked

    Fall crops seeded by September 30, and insured for yield-loss by March 31 of the following year, will be covered for spring-related establishment losses that are not winterkill related. 

  • What is SCIC doing to reduce the spread of clubroot?
    Glad You Asked

    Clubroot is an important soil-borne disease that has the potential to impact yields on cruciferous crops (canola, mustard, etc.). Crop rotation is key to minimizing the impact and incidence of this disease. SCIC is working with the Ministry of Agriculture to inform Saskatchewan producers about the importance of rotation to manage clubroot. In some cases, if producers continue growing canola on the same land location and suffer a loss, their coverage may be reduced or denied.

  • What is yield trending?
    Glad You Asked

    Yield trending recognizes agronomic and production advancements and increasing a producer’s historical yields. Agronomic advancements may include improved farm management practices, technology, equipment and new crop varieties.
     


AgriStability

  • What does my farm insurance cover me for?
    Glad You Asked

    We want to make sure you understand your insurance coverage and the options available to you. Weather it's yield loss due to quality or quantity, crops failing to establish, wildlife damage to crops, predator attacks on livestock, declines in livestock prices or overall negative financial impacts to your bottom line, SCIC programs can provide the coverage you need.

    Contact us today to learn more about your coverage and business risk management options available. We understand each farm operation is different and there are many options available to manage your farm’s risk. Our experts provide straight-forward, informed answers to your insurance questions.

  • The weather isn’t cooperating. What are my insurance options?
    Glad You Asked

    At SCIC, we are proud to provide a wide variety of insurance options for your farm. If unfavourable weather is impacting your farm, business risk management programs like AgriStability may help. To participate in AgriStability for the 2020 program year, please contact us before July 3, 2020, and request a new participant package. 

    If you are a Crop Insurance customer, you may have coverage within one of our Weather-Based Programs or be eligible for an Establishment Benefit on your crop.

    Contact us today to learn more about your coverage and business risk options available. We understand each farm operation is different and there are many options available to manage your farm’s risk. Our experts provide straight-forward, informed answers to your insurance questions.

  • How can I customize my farm insurance?
    Glad You Asked

    We understand each farm operation is different and there are many options to manage your farm’s risk. Along with providing personalized coverage by using your own farm’s production values, we also recognize the management practices of each farm. The Crop Insurance Program offers a range of choices, including pricing options and coverage selections so you can custom-fit insurance for your own operation. 

    SCIC offers various options within the Crop Insurance Program, as well as AgriStability, the Western Livestock Price Insurance Program and the Wildlife Damage Program, which can all work together to provide comprehensive risk management for your farm. 

    Whether you want more information for customizing your insurance or have questions about your coverage, helping you is exactly what we’re here for! Contact your local SCIC office to have a conversation with staff, or call us toll-free at 1-888-935-0000, to discuss the best options to meet your farm’s needs.

  • Can I be in both Crop Insurance and AgriStability?
    Glad You Asked

    Absolutely! SCIC encourages producers to consider participating in both Crop Insurance and AgriStability Programs as part of a comprehensive risk management plan for their farming operation.

    With Crop Insurance, you have coverage for your crops from the start of seeding season until harvest is complete. Through AgriStability, you have even further coverage for other uncontrollable events throughout the year (such as rising input costs, falling commodity prices or unforeseen additional expenses. Since AgriStability accounts for the whole farm, the Program can provide benefit payments even if you also receive a Crop Insurance payment.

  • When can I enrol in AgriStability?
    Glad You Asked

    The AgriStability enrolment deadline for the 2020 program year has been extended without penalty to July 3, 2020.

    To participate in AgriStability this year,  please contact us before July 3, 2020, and request a new participant package. 

  • How can I join AgriStability?
    Glad You Asked

    Applying for AgriStability is easy! Click here to request a call-backcontact your local SCIC office or call the AgriStability Call Centre (1-866-270-8450) and request a new participant package before July 3, 2020.

  • How much does it cost to be in AgriStability?
    Glad You Asked

    AgriStability is a low-cost Business Risk Management program. The program fee is $3.15 for every $1,000 of Contribution Reference Margin. A $55 fee is also applied to help cover administrative costs. All participants are given 30 days from the date on their Enrolment/Fee Notice or until the enrolment deadline (extended to July 3, 2020 this year), whichever is later, to pay these fees without penalty.

  • What is an interim benefit?
    Glad You Asked

    An interim benefit payment is an advance on your final AgriStability benefit payment. You can apply for an interim benefit if you need access to program funds before completing your program year.

    The interim benefit is calculated based on the estimated margin decline or loss for the year when compared to the reference margin (historical average).

    For 2020, the federal and provincial governments have agreed to increase the 2020 AgriStability interim benefit payment percentage from 50 per cent to 75 per cent for Saskatchewan producers

    Please call the AgriStability Call Centre at 1-866-270-8450 to apply and see if you may be eligible to receive an interim benefit.

  • Is anything changing with AgriStability for the 2020 year?
    Glad You Asked

    As announced in December 2019, the AgriStability Program is changing how it treats private insurance payments (revenue), effective for the 2020 program year.

    Previously, producers who received a private insurance payment had that revenue amount included in their AgriStability allowable income. Beginning in the 2020 program year, this revenue will be excluded from the AgriStability benefit calculation; therefore, increasing a producer’s potential for an AgriStability benefit.

    The premium and any payment from private insurance will remain included in the reference margin.

  • How does the private insurance benefit calculation affect Crop Insurance customers?
    Glad You Asked

    Nothing will change with how premiums and payments from SCIC’s Crop Insurance Program are treated by AgriStability. Crop Insurance continues to be included as allowable income and expenses because the government contributes to a producer’s Crop Insurance premium. 

  • What is a considered private insurance program within AgriStability calculations?
    Glad You Asked

    For AgriStability, the "private insurance" programs applies to risk management programs where the producer pays the entire premium for their coverage, such as independent hail insurance, Global Ag Risk Solutions (GARS) gross revenue insurance and Western Livestock Price Insurance.


Wildlife Damage

  • What does my farm insurance cover me for?
    Glad You Asked

    We want to make sure you understand your insurance coverage and the options available to you. Weather it's yield loss due to quality or quantity, crops failing to establish, wildlife damage to crops, predator attacks on livestock, declines in livestock prices or overall negative financial impacts to your bottom line, SCIC programs can provide the coverage you need.

    Contact us today to learn more about your coverage and business risk management options available. We understand each farm operation is different and there are many options available to manage your farm’s risk. Our experts provide straight-forward, informed answers to your insurance questions.

  • How can I customize my farm insurance?
    Glad You Asked

    We understand each farm operation is different and there are many options to manage your farm’s risk. Along with providing personalized coverage by using your own farm’s production values, we also recognize the management practices of each farm. The Crop Insurance Program offers a range of choices, including pricing options and coverage selections so you can custom-fit insurance for your own operation. 

    SCIC offers various options within the Crop Insurance Program, as well as AgriStability, the Western Livestock Price Insurance Program and the Wildlife Damage Program, which can all work together to provide comprehensive risk management for your farm. 

    Whether you want more information for customizing your insurance or have questions about your coverage, helping you is exactly what we’re here for! Contact your local SCIC office to have a conversation with staff, or call us toll-free at 1-888-935-0000, to discuss the best options to meet your farm’s needs.

  • Am I eligible for Wildlife Damage Compensation?
    Glad You Asked

    All Saskatchewan producers are eligible to file a wildlife damage claim. The Wildlife Damage Compensation Program provides compensation to all Saskatchewan producers. You do not have to be a Crop Insurance customer to be eligible for compensation.

  • Wildlife damaged my bales. What can I do?
    Glad You Asked

    The Wildlife Damage Compensation Program provides compensation to producers who experience wildlife damage to alternate feed, stacked hay and forage. All Saskatchewan producers are eligible for wildlife damage compensation. You do not have to be a Crop Insurance customer to be eligible and there is no enrolment required to register a claim. 

    Report any damage to SCIC as soon as you notice it. Cotact your local SCIC office or call: 1-888-935-0000.


WLPIP

  • What does my farm insurance cover me for?
    Glad You Asked

    We want to make sure you understand your insurance coverage and the options available to you. Weather it's yield loss due to quality or quantity, crops failing to establish, wildlife damage to crops, predator attacks on livestock, declines in livestock prices or overall negative financial impacts to your bottom line, SCIC programs can provide the coverage you need.

    Contact us today to learn more about your coverage and business risk management options available. We understand each farm operation is different and there are many options available to manage your farm’s risk. Our experts provide straight-forward, informed answers to your insurance questions.

  • What support is available to Saskatchewan livestock producers during COVID-19?
    Glad You Asked

    Agriculture Minister David Marit announced $10 million in additional funding to help livestock producers manage the impacts of COVID-19 related market disruptions. This includes the AgriRecovery set-aside program and changes to the Western Livestock Price Insurance Program for Saskatchewan producers.

    Click here to learn more»

  • How can I customize my farm insurance?
    Glad You Asked

    We understand each farm operation is different and there are many options to manage your farm’s risk. Along with providing personalized coverage by using your own farm’s production values, we also recognize the management practices of each farm. The Crop Insurance Program offers a range of choices, including pricing options and coverage selections so you can custom-fit insurance for your own operation. 

    SCIC offers various options within the Crop Insurance Program, as well as AgriStability, the Western Livestock Price Insurance Program and the Wildlife Damage Program, which can all work together to provide comprehensive risk management for your farm. 

    Whether you want more information for customizing your insurance or have questions about your coverage, helping you is exactly what we’re here for! Contact your local SCIC office to have a conversation with staff, or call us toll-free at 1-888-935-0000, to discuss the best options to meet your farm’s needs.

  • How is COVID-19 impacting the WLPIP and cattle markets?
    Glad You Asked

    WLPIP is a market-driven program. With current market volatility, the WLPIP prices and coverage are impacted accordingly. For more information, visit wlpip.ca and COVID-19 FAQs.

  • What is livestock price insurance?
    Glad You Asked

    SCIC administers the Western Livestock Price Insurance Program (WLPIP) to protect against market volatility. This program gives livestock producers protection against unexpected price drops on cattle and hogs over a defined perior of time. You can select from a variety of price insurance coverage options every Tuesday, Wednesday and Thursday to find the best fit for your livestock operation.

  • How can I purchase a WLPIP policy?
    Glad You Asked

    Please visit any SCIC office or call 1-888-935-0000 to purchase WLPIP policies and make claims.

    You will have the option to pay your policies upfront or on account. If choosing to pay on account, you have until the expiry date of your policy to pay premiums, subject to interest charges at a rate of CIBC prime + 2 per cent. The policy will be due at the expiration date of the policy and must be paid in full.

  • When can I purchase calf price insurance?
    Glad You Asked

    For 2020, the deadline to purchase calf price insurance was extended to June 18, 2020.

    Calf price insurance is designed for the cow/calf producer to purchase coverage from Feb­ruary to May each year, with policies expiring during the fall calf run from September to December.

  • What insurance is available for my livestock?
    Glad You Asked

    SCIC is pleased to offer a wide variety of insurance options for livestock producers – including Crop Insurance (forage coverage and weather-based forage programs), AgriStability, and the Western Livestock Price Insurance Program. Plus, the Wildlife Damage Program is also available to all Saskatchewan producers to provide compensation for wildlife damage to your crop in the field, stacked hay or greenfeed in the yard, or predator attacks on your livestock.