How can I customize my farm insurance?

Glad You Asked

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

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General Questions

  • Is it time to review my farm insurance options?
    Glad You Asked

    It is never too early to start planning for the season ahead. We are here to help you understand your coverage and the various insurance options available to best suit the needs of your farm. Contact your local SCIC office or call us toll-free at 1-888-935-0000 to learn more.

    Deadlines to enrol in SCIC programs or make changes to your coverage:

    • The deadline to apply, reinstate, cancel or make changes to Crop Insurance contracts is March 31, 2021. This is also the deadline to select insured crops and coverage levels.
    • The AgriStability enrolment deadline for the 2021 program year is April 30, 2021. To join, click here or call us at 1-866-270-8450 and request a New Participant Package before April 30.
    • For cattle producers, Western Livestock Price Insurance Program (WLPIP) calf price insurance is available to purchase each year from February to May with settlement periods occurring September to December. Price insurance is also available for feeder/fed cattle year-round. Please visit wlpip.ca for more information.
  • Do I have the right coverage for my farm?
    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 also offers AgriStability, the Western Livestock Price Insurance Program and the Wildlife Damage Compensation 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.

  • Will my farm insurance change based on the 2020 harvest season?
    Glad You Asked

    The 2020 harvest season was favourable for many Saskatchewan producers. If you experienced crop quality or production loss, increased operating costs or other unexpected impacts to your farm this year, we recommend speaking with a SCIC representative to discuss your insurance options. While your coverage will not change for the 2020 year, it may be beneficial to consider other SCIC program options to determine the best risk management coverage for your farm in 2021.

    The agriculture industry continues to evolve and when the unexpected happens, your farming practices may need to change – including your farm insurance. At SCIC, we offer a wide variety of insurance options to meet your needs. We can help you customize your insurance selections to best manage your farm’s risk. Contact your local SCIC office or call us toll-free at 1-888-935-0000 to customize your farm 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. Whether 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

    At SCIC, we have a wide variety of insurance options to meet your needs. Our knowledgeable staff are available across the province to help discuss which programs and options can work best to manage your farm’s risk. Contact your local SCIC office or call us toll-free at 1-888-935-0000 to customize your farm insurance.

    Each farming operation is different and there are many options to manage your risk. SCIC offers various crop selections and coverage options within the Crop Insurance Program, as well as additional risk protection through the AgriStability Program, the Western Livestock Price Insurance Program and the Wildlife Damage Compensation Program. All SCIC programs and services can work together to provide comprehensive risk management for your farm. 

  • 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.

  • 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


Crop Insurance

  • When are the upcoming deadlines for Crop Insurance?
    Glad You Asked

    November 15, 2020 is the deadline to:

    • Submit your Production Declaration
    • Register a Claim
    • Request an Extension of Insurance

    Producers are encouraged to submit their Production Declaration as soon as they have finished harvest. Click here to access Forms.

    Simply phone, email, fax or mail your production information to your local SCIC office or file using our online application, CropConnect.

  • When can I submit my Production Declaration?
    Glad You Asked

    November 15 is the deadline to file production information and post-harvest claims.

    Production information is used to calculate your annual yield. If you do not complete a Production Declaration, your annual yield will be set at zero, reducing your future coverage by 10 per cent for each year you fail to report.

    Production Declaration information must be submitted before you can register a post-harvest claim and should be filed as soon as you complete harvest. This makes the claim process more efficient, allows us to better allocate our adjusting resources, and improves the customer service you receive.

    Phone, email, fax or mail your production information to your local SCIC office or file using our online application, CropConnect.

  • What is an Extension of Insurance?
    Glad You Asked

    An Extension of Insurance means you are insured for yield and quality losses occurring after November 15. The final adjustment will occur after harvest is complete but no later than June 10 of the following spring. Producers with an Extension of Insurance, and in a claim position, will receive a claim payment based on the crop production information and SCIC’s appraisal of the unharvested crop.

    If you experience harvest delays, contact your local SCIC office to request an extension or call us toll-free at 1-888-935-0000.

    Click here for information on Extension of Insurance. 

  • 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.

  • 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 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

  • When can I submit 2019 program forms?
    Glad You Asked

    The deadline to submit 2019 AgriStability program forms without penalty is September 30, 2020.

    Submitting program forms is part of the annual process for producers enrolled in AgriStability. The information provided determines whether each producer qualifies for a payment. It also ensures the farm’s reference margin, which payments are based upon, is up to date.

    Any 2019 program forms received after September 30, 2020, may be subject to a penalty fee. AgriStability benefits will be reduced by $500 per month; however, if no benefit is calculated, there is no penalty applied. Program forms, with penalty, must be submitted by December 31, 2020.

    Click here for more details»

  • 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 deadline to enrol in AgriStabilty each year is April 30. For the 2020 program year, the enrolment deadline was extended to July 3, 2020. Producers who have enrolled in the program must pay their 2020 program fees by December 31, 2020, to be eligible to receive program benefits.

    To participate in AgriStability for the 2021 program year, please contact us 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.

  • 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.

  • What is changing for private insurance payments within the AgriStability Program?
    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.

    To report any private insurance program payments on your 2020 AgriStability program forms, click here for new codes for the 2020 program year.

  • 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 the Western Livestock Price Insurance Program (WLPIP).


Wildlife Damage

  • What are my options if waterfowl damage my crop?
    Glad You Asked

    Up to 100 per cent compensation is available on damage caused by ducks, geese, blackbirds and sandhill cranes.

    It is important to contact your local customer service office prior to harvesting or feeding and grazing any damaged crop so it can be assessed. Compensation is provided on a spot-loss basis and will be based on the yield loss of the crop in the damaged area.

    Click here for more information.

  • My livestock is being preyed on by wildlife, what can I do?
    Glad You Asked

    SCIC provides compensation to all Saskatchewan producers for injury or death to eligible livestock.

    Animals eligible for compensation include cattle, sheep, goats, bison, horse, hogs (excluding wild boar), elk and specialty livestock.Compensation is eligible on predation by coyotes, bears, cougars, lynxes, fox, wolves, bobcats, birds of prey, scavenging birds, raccoons, skunks, badgers, minks, weasels or any other wild animal causing injury or death to eligible livestock. Up to 100 per cent compensation is available for death and up to 80 per cent of the animal’s value to cover veterinary costs associated with injuries.

    Contact your local SCIC office or call 1-888-935-000 as soon as damage is discovered.

  • 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 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 do I know if I’m in a claim position for my livestock insurance?
    Glad You Asked

    When you purchase livestock price insurance, your settle period (claim window) opens during the last four weeks of your policy. You can determine if you're in a claim position by monitoring weekly settlement prices during this period.

    Each Monday, the settlement prices for the previous week are published online. If the settlement price is below the insured price of your policy, you're eligible to submit a claim for a portion or all of your insured weight during claim hours.

    If you decide not to make a claim in the first three weeks of your claim window, the system will automatically settle your policy in the fourth and final week using that week's settlement prices. We encourage producers to check their policy and settlement prices before the expiration date. 

  • How are WLPIP settlement prices calculated?
    Glad You Asked

    The settlement price is derived from auction market data gathered from Saskatchewan, Manitoba and Alberta and not on an individual producer’s actual sales. As data is collected, it is sorted into two regions (Saskatchewan/Manitoba and Alberta), which correlate to the two premium tables representing index and coverage.

    Settlements are calculated weekly for cattle and monthly for hogs. The settlement price reflects current Western Canadian prices.

    To learn more about what to consider during your WLPIP settlement period, including how to make a claim and understand settlement data, watch our online video here.

  • How much of my inventory should I insure this fall?
    Glad You Asked

    There is no minimum requirement for insuring livestock under the WLPIP program. You can insure as much or as little as you wish. This program is flexible, allowing you to manage your price risk according to your own operational needs.

    For more information, contact us at 1-888-935-0000.

  • 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.

  • 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. Click here to learn more»

    This support includes the Livestock Set Aside Program and changes to the Western Livestock Price Insurance Program (WLPIP) for Saskatchewan producers - including the Saskatchewan Premium Rebate.

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

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