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

  • Is SCIC still operating while the offices are closed to the public?
    Glad You Asked

    Yes. SCIC offices are temporarily closed to the public, but we continue to operate and offer support to Saskatchewan producers through our Business Risk Management programs. During this time, our staff remain available to assist you by phone and email. Please Contact Us to speak to a representative.

    We appreciate your patience and understanding as we work together through this period.

  • How can I contact SCIC while offices are closed and 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.

  • Can I make changes to my Crop Insurance Contract online?
    Glad You Asked

    If you have a current Crop Insurance contact, you can access our online application CropConnect. Through CropConnect, you can enter insurance selections, add or delete crops, select options and choose coverage levels. Access the online portal at: CropConnect or call us toll-free: 1-888-935-0000 for more details.

  • While SCIC offices are closed, how will I receive my claim payments?
    Glad You Asked

    SCIC continues to pay claims to customers based on their preferred method of payment. While offices are closed, SCIC continues to maintain regular business operations. We encourage customers to set up Direct Deposit to receive their SCIC claim payments electronically. If you have questions about Direct Deposit or payment options, please call our toll-free line 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.

  • 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

  • When can I change my Crop Insurance coverage?
    Glad You Asked

    The deadline to apply, reinstate, cancel or make changes to Crop Insurance contracts has been extended to April 13, 2020 for this year. This is also the deadline to select insured crops and coverage levels. 

    Read more in the News Release»

  • Can I make changes to my Crop Insurance Contract online?
    Glad You Asked

    If you have a current Crop Insurance contact, you can access our online application CropConnect. Through CropConnect, you can enter insurance selections, add or delete crops, select options and choose coverage levels. Access the online portal at: CropConnect or call us toll-free: 1-888-935-0000 for more details.

  • 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 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 are the changes to yield coverage for 2020?
    Glad You Asked

    Annual yields from 2018 are being used to update the long-term area and individual yields for 2020. Average yields are increasing an average of 3.1 per cent, reflecting the level of production in 2018.

  • How much will Crop Insurance cost a producer in 2020?
    Glad You Asked

    The 2020 average premium per acre is $7.40, down from $8.61 in 2019. This is an average; premium and coverage will vary by customer. Producers will receive their personal premium and coverage amounts in their endorsement packages.

  • What was the crop quality in 2019?
    Glad You Asked

    Crop quality for 2019-20 was average with some quality issues due to tough and damp harvest conditions. The dry growing conditions resulted in low disease pressure for crops.

  • 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 was the impact of poor conditions during the 2019 harvest season?
    Glad You Asked

    Rain and snow during the 2019 harvest resulted in 3,500 extensions of insurance registered, representing approximately 1.3 million insured acres left unharvested across the province. Producers with extensions will have their claims finalized in the spring, once harvest is completed.

  • I have crop left out. What are my options this spring?
    Glad You Asked

    If you have an extension of insurance, you are insured for yield and quality losses occurring after November 15. The final adjustment will occur after harvest is complete; no later than June 10, 2020. 

    Your unharvested acres may also be prone to wildlife damage. If you notice any wildlife damage to your crops, contact SCIC prior to combining. The entire damaged area must be inspected prior to harvest (checkstrips are not acceptable).

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

  • When is the deadline to harvest crops left over winter?
    Glad You Asked

    The deadline is June 10, 2020.

    Producers who have filed an extension of insurance are insured for yield and quality losses occurring after November 15. The final adjustment will occur after harvest is complete; no later than June 10, 2020.

  • 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.

  • Can I rejoin Crop Insurance with my previous premium discount?
    Glad You Asked

    If you cancel your Crop Insurance contract, you have up to seven years to rejoin the Program and maintain you previous premium discount or surcharge and yield history. 

  • 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.

  • 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. 

  • How are Crop Insurance premium rates and coverage calculated for organic crops?
    Glad You Asked

    Premium rates and coverage for organic crops are now calculated using information from organic customers.

    Previously, these calculations used a combination of conventional and organic crop experience. With this organic crop data, average organic yields are lower than previously calculated and the risk of yield loss claims is lower; therefore, 2020 premium rates are lower.

  • What insurance is available for vegetable crops?
    Glad You Asked

    The Vegetable Insurance Program provides risk management for the vegetable growers and market gardens in Saskatchewan. Insurance is an acreage loss/crop loss program and does not offer a production guarantee.

    Insurance is based on six baskets of crops. The base value per acre is calculated using the combination of crops in the basket and the input values for each basket, based on data from vegetable production surveys and industry specialists.

  • What are the vegetable basket groupings and insured values for each basket?
    Glad You Asked

    Vegetable crops are placed in baskets based on input values (including seed cost) and similarities. Click here to view basket groupings.

  • 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.

  • What coverage is available for corn?
    Glad You Asked

    With the introduction of weather-based insurance programs for corn producers in recent years (the Corn Heat Unit Program and Corn Rainfall Program), SCIC acknowledges customer feedback for higher coverage on corn acres. For 2020, coverage is increasing by $50 per acre through the Corn Heat Unit Program and Corn Rainfall Program.

    Coverage is available at $150, $175, $250 or $350 per acre. Producers may select coverage through the Corn Heat Unit Program and the Corn Rainfall Program. If selecting coverage under both programs, the coverage level is automatically set at $175 per acre independently.

  • What Crop Insurance coverage is available for soybeans?
    Glad You Asked

    Crop Insurance covers soybean crops for yield loss only; no coverage is provided for losses due to quality. Irrigation coverage is also available. Premium discounts and surcharges apply. As well, 2020 claims will be included in the calculation of individual discount or surcharge affecting the 2022 calculation.

  • 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.

  • 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

  • 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.

  • When can I enrol in AgriStability?
    Glad You Asked

    To participate in AgriStability for the 2020 program year, contact us before April 30, 2020.

    Applying for AgriStability is as simple as contacting your local SCIC office or calling our AgriStability Call Centre (1-866-270-8450) and requesting a new participant package. The request must be made by April 30 (Enrolment/Fee Deadline) of the program year in which you wish to participate. 

  • 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 April 30.

  • 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 April 30, whichever is later, to pay these fees without penalty.

  • 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.

  • 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.


Wildlife Damage

  • 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

  • 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.

  • 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.

  • 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

    The WLPIP calf price insurance is available between February 4 – May 28, 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.