INSURANCE
Hail Insurance
Purpose
• Hail insurance provides financial assistance to
Example:
producers for losses to crops due to hail and/or
Crop Field Peas
accidental fire.
Risk Area 1
Eligibility Basic Premium Rate 2.3%
• Hail insurance is available to AgriInsurance Premium Rate Factor 2
contract holders. Coverage Selected $125
• All insurable crops as well as strawberries are Premium Owing $5.75/acre*
eligible for hail and fire coverage, regardless of *2.3% x 2 x $125 = $5.75/acre.
the variety grown or the seeding date.
• With some exceptions, coverage can be • Producers paying the hail premium at time of
selected on part or all of the acres of a crop. application will receive a five per cent discount.
• Application can be made at any time and can • Producers pay all costs for the program
be mailed, delivered in person, sent by fax, including administration, as there is no
completed online or made over the telephone government contribution.
by contacting any MASC Insurance office
during normal business hours. Do not use Coverage
voicemail or MASC drop off boxes for hail • Coverage of $100, $125 or $150 per acre is
applications. available for most crops ($200, $300 or $400 for
potatoes and $750, $1000 or $1250 for carrots,
Other Program Details parsnips, rutabagas, onions, broccoli, cabbage,
• Insureds (including landlords) can select the cauliflower, sweet corn and
Continuous Hail Insurance Option (CHIO) strawberries).
that provides coverage without having to apply • Coverage is for direct hail losses that
each year. Refer to the Continuous Hail Insur- occurred at the time of the storm. Subsequent
ance Option information sheet for details losses on the damaged acres, such as frost or
• The AgriInsurance Individual Productivity disease, are not covered by Hail Insurance.
Index (IPI) is protected by an automatic • Hail Insurance provides coverage on crops
adjustment to include production losses under that are swathed (excluding crops cut for swath
the hail program. grazing).
• If a crop becomes non-viable, producers may • Coverage is effective at noon the day
request a Short Date Cancellation for the following:
affected acreage. - the postmark date on the application, receipt
• Prior to July 30, part or all of your Hail of the application in the insurance office in the
Insurance coverage may be cancelled through case of personal delivery, fax or online
the Short Date Cancellation process, which transmission, the date of the phone application,
prorates the amount of premium earned, based or in the case of producers selecting CHIO,
on the date MASC is notified. coverage is in effect when the crop emerges.
Cost • Coverage for hail and accidental fire
• Basic premium rates are specific for each Risk terminates on October 21 each year.
Area and are adjusted based on loss
experience. For crops that have a high or low
loss experience, the premium rate may also be
For more information contact your local MASC
adjusted using a premium rate factor. These
insurance agent or visit masc.mb.ca
factors currently range from 0.75 to 2.5 of the
basic rate (see opposite page).
Note: This information sheet contains general information only and does not form part of the Application for
Hail Insurance between an insured and MASC. In all cases, the terms and conditions of the Hail Insurance
Contract shall prevail. msMASC-I#628RevJan2011
(Version française disponible)
INSURANCE
2011 Hail Insurance Rates
PREMIUM RATE FACTOR
Basic Rate
All Wheat Types 1 2
Fall Rye
Triticale
Barley 1
Oats 1 2
Mixed Grain
Flax 1 2
Oil Sunflowers
Non-Oil Sunflowers
Canaryseed
Silage Corn
Grain Corn
Open Pollinated Corn
Potatoes
1.5 X Basic Rate
Pedigreed Timothy Seed
Alfalfa Seed
Tall Fescue Seed
Rutabagas
Parsnips
Carrots
Onions
Broccoli
Cabbage
Cauliflower
Sweet Corn
Proso Millet
Strawberries
1.75 X Basic Rate
Canola 1
Rapeseed 1
Mustard
Soybeans
Beans (White Pea, Pinto,
Kidney, Cranberry, Black,
Small Red, Other Dry
Edible)
Perennial Ryegrass Seed
Hemp Grain
2 X Basic Rate
Fababeans
Lentils
Field Peas 1
Annual Ryegrass Seed
2.5 X Basic Rate
Buckwheat
.75 X Basic Rate
BASIC PREMIUM RATES Greenfeed
Risk Area 1 2 3 4 5 6 7 8 9 10 11 12 14 15 16 Tame Hay (Alfalfa,
Alfalfa/Grass, Grasses
Hail Rate 2.3 2.8 2.0 1.9 2.9 2.9 2.6 2.3 3.4 2.2 1.5 2.5 1.5 1.5 1.8 and Sweet Clover)
1 Includes Pedigreed Seed
2 Includes Organic