Individual Coverage

Coverage based on a producer's individual growing experience rather than area average. Your individual coverage is recalculated using 90 per cent of your previous individual average yield and 10 per cent of your most recent annual yield.

Your individual average yield is recalculated every time you grow a crop using 90 per cent of your previous annual yield and ten percent of your most recent yield. There is a one-year lag in this calculation. If you do not grow a crop for one or more years, your previously established individual experience will be compared to the area to establish your current yields.

If you are a new customer or are insuring a crop for the first time, you can provide your own records to establish your individual yield. You also have the option of using the Management Experience Transfer (MET) index to determine your yields and choose the best option. New customers with no records will establish their beginning yields at the long-term average yield for that area.

If you are involved with a contract that involves one or more partners/family members, you can use production records and experience credit obtained from the original farm for your own contract. Yield history along with the seeding intensity and experience discount or surcharge, may be transferred directly to the new farm.

If you do not grow a crop for one or more years, your previously established individual experience will be compared to the area to establish your current yields.

Organic: Individual Coverage

If you are insuring crops under the organic option for the first time, individual coverage may be established a number of ways:

  • If you have produced certified organic crops in the past, individual yields may be established using your production records.
  • If you have previously insured the crop as commercial, your organic yield for this crop may be set as your commercial individual yield reduced by 15 to 50 per cent, depending on the crop and land use (whether it is summerfallow or stubble.)
  • Your individual yield may be set using the crop's organic area yield and your Management Experience Transfer index.
  • If you are a new customer with no records, your individual coverage organic yield will be set equal to the organic area yield for your region.

Organic area yields are set at commercial area yields reduced by 15 to 50 per cent, depending on the crop and land use (whether it is summerfallow or stubble.) 

Forage: Individual Coverage

Forage crops are eligible for individual coverage. Each year you insure, your individual coverage is updated to reflect your production information. Forage producers can update their individual yield history with their own production records. Producers can also volunteer yields when their forage crop is not insured to build their yield database.

Each time you grow a crop, your individual average yield is recalculated using 90 per cent of your previous individual average yield and 10 per cent of your most recent annual yield.
There is a one-year lag in this calculation. For example, yields from two years prior are included in this year’s calculation.