Guide to

Understanding
Crop Insurance
DELIVERED BY SCIC
Saskatchewan Crop Insurance Corporation
Deadlines
Deadline to apply, reinstate, cancel or Seeding deadline for both risk
MARCH make changes to your current year’s MAY zones under the Grain Corn
Crop Insurance contract, including Production Insurance Program.

31
all crops to be insured and coverage
levels. Report any land you have
added to or deleted from your farming
operation. Customers who want
insurance for this year must make
arrangements for payment of any
outstanding balances by March 31.
Note: This deadline also applies to
the Bee Mortality Insurance Program.
30
For additional seeding dates,
check out the Seeding Date Tool
at www.scic.ca.
Under the Contract Price Option, this
MAY is the deadline to provide production
contract information to SCIC.

31
Under the Bee Mortality Insurance
MAY Program, this is the deadline to notify
SCIC of loss in the spring. Coverage

15
terminates as of this date.
Deadline to seed soybeans.
JUNE

5
Deadline to seed camelina in the
MAY brown soil zone. Deadline to seed
all classes of chickpeas.

21

2
 Deadline to seed hemp grain. Full yield-loss coverage begins
JUNE Full yield-loss coverage becomes JUNE today on established spring and
effective on winter wheat and fall fall‑seeded crops.

10 21
rye that will be grazed and/or cut for
feed. Deadline for planting potatoes
(processing and table varieties).
Final day to finalize claims on
over‑winter extensions.

Deadline to submit Seeded Acreage

Deadline for planting potatoes JUNE Reports on all crops. Deadline to
JUNE (seed varieties). submit Unseeded Acreage claims.

25
Deadline to report stored grain.

15
Deadline to submit Hive Reporting
form. Deadline to submit Stored
Honey Report. Deadline to endorse
overwintering insurance for the Bee
Mortality Insurance Program.

Crop Insurance will not accept

JUNE yield-loss liability for spring crops Deadline to seed greenfeed crops
seeded after this date. Deadline to JUNE insured as forage. Establishment and

20
submit Establishment Benefit claims. gopher damage claims on greenfeed

30
Deadline to submit a gopher claim must be submitted by this date.
on crops that fail to establish due to
gopher damage. Under the Forage
Establishment Benefit Option, this is
the deadline to seed forage acres.

For additional seeding dates, check out the Seeding Date Tool at www.scic.ca.

3
 Deadline to report seeded Deadline to select winterkill coverage
JULY greenfeed acres. AUGUST for fall rye and winter wheat.

5 25

Minimum summerfallow coverage Deadline to seed fall rye and

JULY requirements for the crop year must SEPTEMBER winter wheat and be eligible for
be met by this date and maintained winterkill insurance. Deadline to file

11 for the rest of the year (includes acres

that are too wet to seed) in order to be
eligible for summerfallow for next year.
30
For green manure crops in the brown
soil zones, minimum summerfallow
coverage requirements must be met
and maintained by this date.
Forage Declarations. Deadline to
register forage yield-loss claims or
request an extension of insurance
on unharvested forage acres.
Forage claims submitted between
October 1 and November 15 may
have indemnities reduced by 25 per
cent up to $1,000. Claims will not be
accepted after November 15.

Under the Organic Reseeding Benefit,

JULY this is the deadline to reseed.
Deadline to harvest potatoes

15 OCTOBER (all varieties).

1
For green manure crops in the
JULY black and gray soil zones, minimum
summerfallow coverage requirements

25 must be met and maintained by

this date.

4
OCTOBER
Deadline to pay current year’s
premiums without interest
being charged.
Contents
31 Frequently Asked Questions 6

Your Crop Insurance Program 8

Customer Responsibilities 10
Deadline to file Production
NOVEMBER Declarations. Deadline to submit Your Coverage 14
yield-loss claims on harvested cereal,

15 oilseed, pulse, honey and potato

crops, and request any extensions
of insurance on unharvested acres
Coverage Levels and Premiums 19

Prices 22
(excluding potatoes). Deadline to
submit a Fall-Seeded Acreage Report Coverage Features 24
for producers with winterkill coverage
on fall‑seeded acres. Claims Diversification Option 28
submitted between November 16 and
December 31 may have indemnities
Pedigreed Seed Option 29
reduced by 25 per cent to a
maximum of $1,000. Claims will not
Crop Averaging Program 30
be accepted after December 31.
The Claims Process 31

Preventing Program Abuse 33

Annual crop post-harvest claims
DECEMBER submitted between November 16 and
Insurable Area Maps 34
December 31 may have indemnities

31 reduced by 25 per cent up to a

maximum of $1,000. Claims will not
be accepted after December 31.

5
Frequently Asked Questions
(FAQs)
1. How do discount/surcharges work? How will my
claim affect my experience discount?
Premium discount and surcharges acknowledge risk
differences between customers, reducing premiums
for customers without a history of repeated claims.
Experience discount and surcharges are calculated
using an individual’s history of losses and a
comparison of individual loss history to area losses.
For more information, see page 20.
2. How do quality factors work?
When producers select their Crop Insurance
coverage, they not only have a determined
production guarantee, but they also have a
designated grade for the crop they 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 to calculate the final indemnity.
For more information, see page 15.
6
3. What does USA stand for? What is eligible
for USA?
USA stands for Unseeded Acreage Feature.
All producers have this protection for land that is
too wet to seed due to excessive spring moisture.
USA can be stand alone coverage or be part of
producer’s multi-peril coverage. Eligible acres are
the acres you normally seed that remain unseeded
by June 20 due to excessive spring moisture.
For more information, see page 26.
4. Am I eligible for the Establishment Benefit?
How does coverage work for fall seeded crops?
Crops that fail to adequately establish or suffer
significant damage due to insurable causes before
June 20 are eligible for an establishment benefit.
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. For more information, see
page 25.
5. How is my coverage calculated?
Your coverage is based on what you have grown
over the long term and the coverage option you
selected. For more information, see page 14.
6. What do I and my son/daughter have to do to get
them started with Crop Insurance?
Young farmers taking over family farms can use
the experience obtained from the family farm for
their own contract. For more information, see
Intergenerational Transfer on page 16.
7. How are prices set?
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. For more information, see page 22.
8. What happens to my coverage if I don’t grow
a crop for one or two years?
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. For more information, see Individual
Coverage on page 16.
9. What is a farm practice survey and what does
it entail?
A Farm Practice survey examines the farming
practices of selected customers, monitoring their
farming methods on crops. If you are selected for
a farm practice survey, you will be sent a Cropping
Plan form to complete by March 31. An adjuster will
complete an inspection to verify the cropping plan
is being followed. For more details, see
page 37.
10. Does Crop Insurance share my information?
SCIC uses your information for the delivery
of its programs and will disclose information
only according to the Freedom of Information
and Protection of Privacy Act (FOIP). For more
information, see page 9.
11. What if I decide to not harvest my crop but bale
it instead?
If you wish to put your insured acres to a use other
than harvesting, you must notify SCIC prior to
putting those acres to an alternate use. See page
35 for more information.
7
Your Crop Insurance Program
Under the Canadian Agricultural Partnership, producers will continue to have access to a
robust suite of Business Risk Management (BRM) programs to help manage risks beyond
their control, which provides a foundation for the agriculture industry to grow.

Crop Insurance provides you with insurance for crop
losses due to insurable causes of loss, whether a
result of loss in quantity or quality of the insured crop.
Your insurance covers you in case the crop fails to
establish or excess moisture prevents you from being
able to seed. You select your coverage level (50 to
80 per cent) which, combined with your past growing
experience with the selected crop, determines your
production guarantee.
SCIC covers you for losses resulting from
uncontrollable natural hazards including drought,
excessive rain, hail, flood, frost, snow, wind, lightning,
hurricane, tornado, accidental fire, damage caused by
wildlife, insects, gophers and/or plant disease.
SCIC realizes that one insurance package does not
suit everyone. For this reason there are many options
to choose from, allowing you to tailor your insurance to
your farm.
ELIGIBILITY
Insurance is available to any producer who meets SCIC
eligibility requirements. Crop Insurance regulations
require contract holders to demonstrate legal,
operational and financial independence from all other
producers in order to be eligible.
All new applicants are required to fill out an application
to demonstrate eligibility. Legal independence is
defined as legal access to the land (owned or leased)
on which insured crops will be grown. Operational

8
independence means you are responsible for farming
decisions and have access to machinery and crop
storage. Financial independence means you bear the
financial risk of any crop loss. SCIC may review existing
contracts to ensure they meet eligibility requirements.
Where concerns are identified, the contract holder will
be advised of the requirements in order to maintain
their contract.
To apply for a contract, visit your local customer service
office or call 1.888.935.0000 to meet with us before
March 31 of the insurable year. You must apply for
a contract of insurance in person. Non-residents of
Canada applying for a contract must have verification of
approval or compliance from the Saskatchewan Farm
Land Security Board.
PROTECTING YOUR PERSONAL
INFORMATION
SCIC requires producer information to deliver effective
and efficient programs and customer service. SCIC will
use your information for the delivery of the program
and will disclose information according to the Freedom
of Information and Protection of Privacy Act (FOIP).
However, as a government entity, SCIC is obligated
to share statistical data with Statistics Canada upon
request. SCIC is committed to ensuring your personal
information is secure at all times and has implemented
privacy procedures to ensure compliance with
current legislation.
Customers of SCIC are entitled to access their
personal information according to FOIP. If customers
are concerned about their privacy, they can e-mail
securityofficer@scic.ca or phone 1.888.935.000 and
ask to speak to the Privacy and Security Manager.
Complete information regarding our privacy and
security policy is available at www.scic.ca.
9
Customer Responsibilities
NEW CONTRACTS / APPLICATIONS
New customers are required to fill out an application
in person at their customer service office as early
as possible but in all cases before March 31. Visit
https://www.scic.ca/files/ci/pubs/
ci_application_checklist.pdf for a list of all
documentation required on your application. If a
farming operation is being transferred to another
operator, please visit page 16 to learn more about
intergenerational transfer.
CONFIRMATION OF INSURANCE
As a contract holder, you were sent a Confirmation of
Insurance listing the insurance selections you made the
previous year. Your contract will remain the same for
the current crop year unless you make changes. The
deadline to make changes for all Crop Insurance
programs is March 31.
Premiums are charged on acres seeded to crops
selected for insurance. There is no charge for
endorsing crops you do not grow.
CANCELLATION
If you wish to cancel your Crop Insurance contract,
SCIC requires notification in writing by March 31.
10
The cancellation notification must contain the
signatures of all parties named on the contract.
REINSTATEMENT
In the event you cancel your contract, you can go seven
years without paying any premium before losing your
discount. Contracts with four years of no premium
earned will automatically cancel.
LAND
As part of the SCIC contract, producers must list all
land they own and operate. All land changes should be
made early, as soon as you are aware of the change,
to ensure it is covered under your insurance. All land
changes (additions or deletions) are subject to approval.
Acre verifications may be necessary to determine
eligibility. Land can be added to your contract after the
March 31 deadline but the crops on those acres must
have been endorsed by March 31, to be insurable.
Note: These acres may not be eligible for insurance
if damage occurs before you notify SCIC or complete
your Seeded Acreage Report.
Land rental or sale arrangement documents may be
requested to verify land changes.
SEEDING DEADLINES
To be insurable, crops need to be seeded in reasonable
time so they reach maturity before the first fall frost date
in your area.
Note: Some crops have absolute final seeding dates
that are earlier than June 20. Please refer to terms and
conditions for chickpeas, hemp, soybeans and grain
corn.

Average Maturity in Days Final Date Liability is Accepted

SEEDED ACREAGE
Greenfeed June 30 You must submit a Seeded Acreage Report declaring
your seeded acres no later than June 25. This report is
Camelina (brown soil zone) May 21
necessary to calculate your level of insurance and
Chickpeas (all classes) May 21 process your claims.
Grain Corn May 30
Soybeans June 5 You do not have any Crop Insurance coverage until
you report your acres on your Seeded Acreage
Hemp Grain June 10
Report. If you suffer a crop loss and have not
Fall Crops September 30 reported your acres by June 25, your claim may be
denied.
Seeding Date Tool
This tool provides the final date full liability may be Seeded Acreage Report forms will be mailed to you in
accepted on insurable crops. The map provides dates May. You can phone, fax, mail or drop off your seeded
based on townships and rural municipalities, using acreage information at any customer service office, or
first fall frost dates. June 20 remains the final seeding CropConnect customers may complete personalized
deadline for all crops. Crops seeded between the SCIC reports online.
recommended date and June 20 will be compared
to other crops in the area if a seeding date related If you fail to submit or are late, you may be assessed a
loss occurs, like frost, or may impact a request for an penalty of $60. If necessary, an adjuster will visit your
extension of insurance where all others have completed farm to gather the required additional information at
harvest. This area comparison may reduce liability. an additional charge.

11
12
STORED GRAIN
You are required to report all stored grain either on the
separate Stored Grain Declaration form enclosed with
your Seeded Acreage Report package or filed online
through CropConnect. Providing your stored grain
information will result in more accurate claim payments.
Your completed Stored Grain Declaration must be
submitted to SCIC by June 25 with your Seeded
Acreage Report.
If your stored grain amounts change after June 25,
contact your customer service office to update your
reported information. Updates must be made before
harvest begins. Additional forms are available at your
customer service office.
Note: Stored grain not reported will be considered new
production in the event of a yield-loss claim. If your
production is mixed with that of any other producer,
either in sales or storage, yield-loss claims will be
averaged among individual producers. All stored grain,
whether the crop is insured in the current year or not,
should be reported. Your grain is not covered for losses
once it is placed in storage.
STATEMENT OF INSURANCE
Once you have reported your seeded acres, you
will be sent a Statement of Insurance listing your
premium, insured crops, total number of acres,
production guarantee, premium discount or surcharge
and the provincial, federal and producer share of the
total premium.
Examine your statement carefully as it is your
responsibility to report any errors or omissions
immediately upon receipt. Your premium is due upon
receipt of your Statement of Insurance. Interest will start
to accrue October 1. However, if your premium is paid
before October 31, there will be no interest charged.
Outstanding balances will have interest charged
monthly. Claims will be applied to any outstanding
balances. Amounts not paid by October 31 will
continue to accrue interest at the beginning of each
month until the account is paid in full. The interest rate
is RBC prime plus two per cent, adjusted quarterly.
Any contract with premiums not paid or not having
approved payment arrangements made prior to
purchasing subsequent insurance will not be eligible
for continued coverage and will be cancelled.
Your account can be paid online, at your financial
institution or at a customer service office by March 31.
Cheques are to be mailed and payable to:
Saskatchewan Crop Insurance Corporation
PO Box 3000
Melville, SK S0A 2P0
DECLARING YOUR YIELDS
In the fall, you will be mailed a Production Declaration
form. The deadline to submit your declaration is
November 15, and declaration information must be
provided before you can register any yield-loss claims.
You can phone, mail, fax or drop off the information,
and CropConnect customers may complete
personalized declarations online.
The Production Declaration serves two important
functions for your Crop Insurance contract:
• 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.
SCIC verifies a percentage of all declarations.
13
Your Coverage
PRODUCTION GUARANTEE AND
QUALITY COVERAGE
An SCIC contract guarantees a yield based on what
you have grown over the long term and the coverage
option you selected. This guarantee appears on your
Statement of Insurance in kilograms and bushels for
most crops, and kilograms and pounds for those crops
typically marketed in pounds.
Coverage for yield-loss starts on June 21 for all
established crops. Crop losses after June 20 but
prior to harvest are assessed through a pre-harvest
inspection. Crops are covered for losses in the field;
there is no coverage for grain once it is put into storage.
Pre-harvest inspections are completed when a crop is
put to an alternate use, other than harvest. Failing to
report a loss before it is put to an alternate use may
void your insurance. Notify SCIC if you are considering
putting your acres to an alternate use.
Losses on harvested crops are based on production
and quality for most crops. Yield-loss coverage ends
November 15.
If you have not harvested all of your acres, you must
contact SCIC to request an extension of insurance by
November 15 if you want over-winter losses covered.
It is important to store and sell your insured grain
separately from all other producers’ grain and all other
crops, whether insured or not. If ownership of the grain
cannot be clearly identified, production is averaged
among the involved producers.

Production
Yield-Loss Payment

$
guarantee

Yield-loss Yield-loss payments are based

payment
on the shortfall between the
production guarantee and the
total net harvested production,
Net harvested
adjusted for quality, for all acres
production of the insured crop.

14
Yield-loss payments are based on the shortfall between
the production guarantee and the total net harvested
production for all acres of the insured crop. Any appraisals
applied to acres put to any use other than harvesting will
be included in the final yield‑loss calculation.
Yield-loss payments are determined once the total
yield-loss, including quality factors, have been
finalized. The production loss is paid at the insured
price, according to the price option you select in the
spring. The insured price is not based on, nor does it
guarantee, market price.
Quality is also factored in when calculating yield-loss.
A designated grade has been established for each crop
based on a historical average grade. When the grade of
Yield Quality
your harvested production is lower than the designated
grade due to an insurable peril, that production is
reduced by a quality factor and is used in calculating
your claim.
Quality factors are determined by comparing the
price of the harvested grade to the price of the
designated grade. The prices used to calculate quality
factors are the post-harvest selling prices established
through a survey of grain companies and processors
from across Saskatchewan. Once these market
prices are available, quality factors are listed at
www.scic.ca by the end of December of each year.
These factors are then applied to your claim.
Harvest Quality
Both Quality is factored in when
calculating yield-loss.
15
INDIVIDUAL COVERAGE
Your individual average yield is recalculated every time
you grow a crop 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.
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 or existing customer and 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
90%
Individual
10%
Previous Most recent
individual reported
average yield individual yield
16
records will establish their beginning yields at the long-
term average yield for that area.
TRANSFER OF EARNED CREDIT
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.
INTERGENERATIONAL TRANSFER
Young farmers taking over family farms can use the
experience obtained from the family farm for their
own contract. The transfer of earned credits would
be implemented using partial credits with a three-year
progression to the full credits of the original contract.
Individual Coverage
Your individual average yield
Average is recalculated using 90
Yield per cent of your previous
individual average yield and
10 per cent of your most
recent annual yield.
MANAGEMENT EXPERIENCE TRANSFER long-term yields to be increased accounting for
improvements in production techniques, varieties and
The Management Experience Transfer (MET) index
technological advances. Since the program’s inception,
is used to establish a starting yield for a crop where
yield trending has grown to include canola, identity-
no individual yield previously exists and more
preserved canola, fall rye, winter wheat, hard red
accurately reflects the individual customer’s farm
spring wheat, hard white spring wheat, durum, barley
management abilities.
and oats.

Your MET index is greater than 1.0 if your yields are

The program’s expansion has a number of positive
better than the area average; it is less than 1.0 if your
impacts: it increases yield coverage offered to
yields are lower than the area average. New customers
producers where yields are increasing over time and
with no previous yield history start with a MET index of
positively impacts long-term yields for producers who
1.0. Once your yields are established, they are updated
have not previously insured these crops.
using your individual annual production information.
For a complete list of crops impacted by yield trending,
YIELD TRENDING visit www.scic.ca.
Yield trending recognizes the continued advancement
in the agriculture sector. Yield trending allows for

Yield Trending
Long-term yields are increased to account for
improved production techniques, varieties and
technological advances. The feature includes
canola, identity-preserved canola, fall rye, winter
wheat, hard red spring wheat, hard white spring
wheat, durum, barley and oats.

17
YIELD CUSHIONING by crop and land use. When two low yields occur in
consecutive years, the amount the yield level drops will
Yield cushioning provides greater protection and
be cushioned in the second year. For this year, yields
coverage to Saskatchewan producers by limiting the
from two years ago will be cushioned to 70 per cent of
impact on yields in poor crop years. Yield cushioning
the customer’s Long-Term Individual Yield.
includes forage crops.
Some conditions will apply. Customers with uninsured
Yield cushioning reduces the impact of consecutive
causes of loss, or who have a MET less than 0.85 and
poor yields by limiting or “cushioning” the decrease in
a surcharge of 15 per cent or more, are not eligible for
a producer’s yield coverage. Yield cushioning occurs
yield cushioning.

Yield Cushioning
When two low yields occur in consecutive years, the amount the
yield level drops will be cushioned in the second year.

Long-term
individual
yield

Cushioned to

70%
Reduced yield Reduced yield Cushioned coverage

Year 1 Year 2

18
Coverage Levels
and Premiums
For most crops, customers may select coverage at 50, 60, 70 or 80 per cent of
their average yield. The premium for this coverage is cost-shared at 60 per cent by
governments, 40 per cent by producers.
Coverage is only available up to 70 per cent for the
following crops: alfalfa seed, caraway, chickpeas,
coriander, dry beans, khorasan wheat, potatoes, timothy
hay, honey, soybeans, hemp, camelina, grain corn and
wild rice.
PREMIUMS AND COST SHARING
SCIC sets premium rates to recover losses (claims
paid) over the long term and to maintain a sustainable
program by paying off program debt and building a
reasonable reserve. The methodology used by SCIC to
calculate premium rates and yields must be certified by
an actuary and approved by Agriculture and Agri-Food
Canada every five years.
Premium dollars are not used to pay for program
administration. The full cost of program administration
is cost-shared by the federal and provincial
governments. Premium rates are updated annually on
a crop and risk-zone basis. Risk-zone rates are based
on the claim payment history from 1973 to the present,
specific to each crop and risk zone. There is a one-year
lag in the information used. The premium rate itself is
only one factor in the dollar-per-acre premium to the
customer. The dollar-per-acre premium is calculated
using a combination of the premium rate, the risk
zone long-term average yield, the selected coverage
level (50, 60, 70, 80 per cent), the insured price and
the customer’s experience discount or surcharge.
Premium is only charged on the actual acres seeded
and selected to insure. You may endorse all crops
and if you do not grow them, premium is not charged.
Premium for the Unseeded Acreage Feature will show
up as a separate charge on your statement.
PREMIUM DISCOUNTS
AND SURCHARGES
Premium discounts and surcharges acknowledge risk
differences between customers, reducing premiums for
customers without a history of repeated claims.
Experience discounts and surcharges are calculated
using an individual’s 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.
The following crops and programs are excluded
from all experience discount and surcharge
calculations: camelina, dryland dry beans, honey,
hemp, vegetables, wild rice, timothy hay, the Forage
Diversification Option, Forage Rainfall Insurance
Program, Corn Rainfall Insurance Program, Corn
Heat Unit Program, Establishment Benefit, grain
corn, Bee Mortality Insurance Program, Fruit Tree
Insurance Program and Gopher Damage claims.
19
Premium Discounts and Surcharges
How your individual claim history affects discount/surcharge:

The number of credits or debits earned will be added to the previous balance.
Partial credits are rounded down. Accumulated credits or debits must achieve a
complete step before the discount or surcharge is adjusted.

The maximum number of both debits and credits a customer can accumulate is 16.
Customers with 16 credits cannot lose their 50 per cent discount based on one or
two years of claims. There is a one-year lag in the calculation. New contract holders
will remain at zero following their first year of coverage due to this lag.

Indemnity Discount/Surcharge Comparison to Area Discount/Surcharge

No claim
Less than or equal to
20% of total net annual
premium. (Cumulative
premium paid by the
producer and governments)
1.0 credit earned
0.5 credit earned
Lowest risk customers – have no
claim in a risk area where 70% of 2.0 credits earned
customers have received indemnity
Low risk customers – have no
claim in a risk area where 60% of 1.0 credit earned
customers have received indemnity

Average risk customer No change

Greater than 20% but less
than or equal to 100% of No change
High risk customers – among the
total net annual premium
next highest 10% of indemnity
0.5 debit earned
paid relative to premium among
Greater than 100% but less claimants
than or equal to 200% of 1.0 debit earned
total net annual premium Highest risk customers – among
the highest 10% of indemnity
Greater than 200% of total 1.0 debit earned
2.0 debits earned paid relative to premium among
net annual premium claimants

Accumulated Credits 0 1 2 3 4 5 6 7 8 9 10 to 16

Discount % 0 5 6 8 11 15 20 26 33 40 50

Accumulated Debits 0 -1 -2 -3 -4 -5 -6 -7 -8 -9 -10 to -16

Surcharge % 0 0 0 8 11 15 20 26 33 40 50

20
INSURABLE CROPS
SCIC insures crop varieties suitable for local growing
conditions throughout the province. Insurance is also
available on a larger number of specialty crops. When
selecting crops, distinguish between all wheat and
canola varieties. For a complete list and the terms and
conditions, visit www.scic.ca or a customer service
office.
INSURED CAUSES OF LOSS
SCIC covers you for losses resulting from
uncontrollable natural hazards (see complete list on
page 8). Losses that are controllable or could have
been prevented with sound farm management
practices are not covered. If an insured cause of loss
cannot be identified, coverage may be reduced or
denied; therefore, it is important to notify SCIC
immediately when damage occurs.
UNINSURED CAUSES OF LOSS
The uninsured cause of loss policy ensures that
producers following industry recommended farm
management practices are not at a financial
disadvantage to those who do not.
Generally, SCIC does not advise producers on what are
acceptable farm management practices. For some
specialty crops, there are specific terms and conditions
that apply. Producers can gain more information about
their business through available sources of agronomic
information or industry experts.
Any “controllable” loss is considered an uninsured
cause of loss. Examples include:
• Poor quality seed
• Improper seed placement or seeding date
• Uncontrolled, excessive weed populations
• Chemical damage
• Insect or disease damage where it is possible and
practical to prevent or control the damage
Many different factors can reduce yields. Risk can be
decreased by actively monitoring crops and taking
any necessary measures including a combination of
cropping choices and rotations, timely seeding, stubble
and fertility management, field scouting and monitoring,
and timely use of crop protection products.
You are expected to implement appropriate measures
if there is a clear economic advantage to doing so and
assuming normal growing conditions for the rest of
the crop year. Failure to do so may result in the claim
being denied in full or reduced. Contact your customer
service office before destroying any crop or putting it
to an alternate use. Organic uninsured causes of loss
are available on the website, the Organic Guide or by
contacting your customer service office.
When a crop is not adequately monitored or control
measures are applied too late to be effective, uninsured
causes of loss are applied.
21
Prices
The base prices for grains 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 most crops for the coming crop year.

Producers have the option of selecting the Low Price IN-SEASON PRICE OPTION
Option for each crop, which is set at 85 per cent of the
The dollar guarantee for In-Season Price will be
base price for the crop. Also available is the In-Season
recalculated based upon the final price. Producers
Price Option. A select group of crops are also eligible
should be aware that the dollar guarantee may fluctuate
for the Contract Price Option. Pedigreed, forage and
up or down, depending on final pricing.
organic crops have their own price structure to reflect
the value of these crops.
The premium is based on the historical relationship
between the actual base price in the spring and the final
Alternative sources are used to determine prices for
price. This allows the premium costs to be finalized in
some smaller acreage crops.
March regardless of the direction the prices move for
Visit www.scic.ca to access the online calculator the final price. However, premiums will be higher than
for the base price or Low Price Option, to mitigate the
through CropConnect to determine premium.
risk of price uncertainty.

In-Season Price Option

Current season crop price averages are used
and premiums are set up front.

+
50 %
SEPT – FEB

$/ –
22 Six-month average Higher or lower Premium +/– 50 per cent
actual price survey $ coverage certainty of base price
The final price for a crop can increase or decrease by a
maximum of 50 per cent in relation to the base price for
the crop.
The Contract Price Option or Crop Averaging Program
is not available if In-Season Price Option is selected.
Either option must be selected by March 31.
The In-Season Price Option sets the final price in
February following the year of selection. An interim
payment will be made when the claim is processed,
based upon a percentage of the spring base price, and
the final payment will be issued once the In-Season
Price is finalized.
CONTRACT PRICE OPTION
The Contract Price Option allows a customer to insure
a crop at the price at which it is contracted.
To access a complete list of crops available for
insurance under this option, visit www.scic.ca or your
customer service office.
The insured price is an average of your contract price
and SCIC’s base price based on the amount of crop
contracted and your production guarantee. This creates
a “blended” price for which you will be insured. The
blended price will be used to calculate the coverage
and premium for all acres of the insured crop, including
those that are not contracted. Your insured price does
not guarantee market price.
Note: Most total production, partial production or
deferred delivery contracts are eligible. For deferred
delivery contracts, the delivery period must be August
of the crop year or later. The producer must be
financially independent from the buyer for the contract
to be eligible. SCIC requires a contract to determine
insurable price.
Eligible contracts must specify the contract price or a
price premium (e.g. dollars per bushel or dollars per
tonne) and the quantity of grain or number of acres
contracted. A maximum allowable contract price
will be set by SCIC for each crop by March 1 of the
current crop year, based on contract prices offered by
Saskatchewan’s primary contractors.
You must provide SCIC with a copy of the contract
by May 31 of the current crop year. SCIC will use that
information to calculate the insurable price, coverage
and premium for the crop. If you do not provide
complete contract details, your insured price will
default to the base price for that crop. For losses due
to quality, SCIC applies standard quality factors. Quality
is not determined by criteria stated in your production
contract nor on the final price of the crop. If the use
of SCIC standard quality factors places you in a claim
position, your claim will be paid using the calculated
blended price.
23
Coverage Features
ESTABLISHMENT BENEFIT FOR
SPRING‑SEEDED CROPS
To be eligible for an establishment claim there must
be an area that is five acres or greater together in one
piece (not scattered) per legal land description. The
non-established acres must exceed the lesser of 10
acres or 10 per cent of the total acres seeded before an
establishment claim is paid. Both acre conditions are to
be met. Crops that fail to adequately establish or suffer
significant damage due to insurable causes before
June 20 are eligible for an establishment benefit, even
if reported as yield-loss after June 20.
If you believe it is necessary to reseed or work down
a portion of your insured crop prior to June 20, contact
SCIC immediately. An adjuster must inspect those
acres prior to reseeding or destroying the acres.
Insurance may be purchased on the reseeded acres
even if the crop was not previously selected. If
the reseeded crop was previously selected, those
acres will continue to be insured. To be eligible for
insurance, reseeded crops must abide by SCIC’s
seeding deadlines.
SPRING ESTABLISHMENT BENEFIT
FOR FALL-SEEDED CROPS
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. Yield-loss coverage will be
denied if fall-seeded acres are grazed in the fall, or in
the spring, prior to June 10. Contact your customer
service office if grazing or cutting your fall‑seeded acres
for feed after June 10.
24
UNSEEDED ACREAGE
The Unseeded Acreage (USA) feature is included with
multi-peril insurance coverage and all producers have
this protection for land that is too wet to seed due to
excessive spring moisture.
Acres subject to flooding, such as sloughs in the field
that are traditionally wet or remain underwater in a
year of normal moisture, are not eligible. However, if
a producer was able to work, mow or burn the areas
that were wet, essentially prepare the seed bed in the
fall, then this land would be considered eligible for USA
coverage. Acres that are deemed as too wet to seed
are excluded from any future USA claim calculations
until they are in a condition to seed.
Any land that remains underwater due to previous
years’ moisture is not eligible as it is not considered
in adequate seeding condition.
SCIC strives to inspect all USA claims in a timely
manner. Where USA claim volumes are high, producers
may have their claims paid without an inspection.
There are four coverage levels: $50, $70, $85 and $100
per acre. Customers can choose the lower or higher
coverage to correspond to their individual needs.
Unseeded acreage premium will be charged on acres
a producer normally seeds, whether or not the land
is seeded or insured for yield-loss. This feature is
not optional. Discount and surcharges are applied to
Unseeded Acreage premiums. Producers’ Unseeded
Acreage claims will be included in the calculation of
the experience discount/surcharge.
Unseeded Acreage (USA) Claim Eligibility and Payable Acres
The USA feature is designed to compensate producers who are unable to
seed due to excess spring moisture. Acres subject to flooding, such as
sloughs in the field, that are traditionally wet or remain underwater in a year of
normal moisture, are not eligible. All USA claim acres are subject to inspection.

NORMAL MOISTURE YEAR

Slough, ineligible wet acres

EXCESS MOISTURE YEAR

Eligible wet acres Eligible wet acres

Slough, ineligible wet acres

CROP INSURANCE
BY MARCH 31 BY MARCH 31 BY JUNE 20

Do you have an active Is the land listed on your Were the acres reported Are the acres
Crop Insurance contract and was the seed on your Seeded Acreage traditionally wet or remain
contract? bed prepared for seeding? Report as too wet to under water in a year of
seed by June 20? normal moisture?

YES NO YES NO YES NO YES NO

YOU ARE ELIGIBLE FOR USA COVERAGE YOU ARE ELIGIBLE FOR USA CLAIM*
*All USA claim acres are subject to inspection. 25
This feature does not provide payment on every Your Unseeded Acreage claim may be reduced or denied
reported wet acre. Eligible acres are the acres you if your loss is significantly greater than other producers in
normally seed that remain unseeded by June 20 due to your immediate area due to management practices.
excessive spring moisture. A five per cent deductible is (For example, failing to seed when it is possible.)
applied to quarters with acres too wet to seed.
Acres reported as too wet to seed and included in
The deadline to submit an unseeded acreage claim is an Unseeded Acreage claim are not eligible for any
June 25. Claims received from June 26 to July 2 will subsequent coverage including greenfeed and wildlife.
be subject to a 25 per cent reduction in payment to a
maximum of $1,000. Claims received after July 2 may Unseeded Acreage and Establishment Benefit
be denied. If conditions are too wet to reseed, a producer may be
eligible for an Unseeded Acreage benefit on the acres
Seeding Intensity where an Establishment Benefit was previously paid.
Acres normally seeded are determined using your total These acres do not have to be destroyed to be eligible
annual crop acres multiplied by your historic seeding for the Unseeded Acreage Feature. If a field, or area in
intensity. The seeding intensity is the seeded acres a field, is eligible for an establishment claim and excess
compared to the total cultivated acres and calculated moisture prevents another crop from being seeded, the
as a percentage. Your claim seeding intensity is the Unseeded Acreage claim may be paid as well. There
average of the previous four years. will be no further coverage on the affected acres. If
the field, or area in the field, does not qualify for an
The four-year seeding intensity used to calculate your Establishment Benefit – due to having sufficient plants
Unseeded Acreage claim will be calculated as follows: or less than five acres in an adjoining block – the crop
will have full yield‑loss coverage.
Acres Too Annual
Acres Summer- Total
Year
Seeded
Wet To
fallow Acres
Per Cent GOPHER DAMAGE FEATURE
Seed Seeded
Crop Insurance includes gopher damage as an insured
Year 1 800 **200 0 1,000 100%
cause of loss under both the Establishment Benefit and
Year 2 850 **100 50 1,000 95% yield-loss components of the multi-peril program. All
Year 3 800 **0 200 1,000 80%
crops for which SCIC offers establishment coverage
qualify for the Gopher Damage feature.
Year 4 860 0 140 1,000 86%
4 Year Avg 90% During the establishment period, customers have two
options for acres damaged by gophers:
For eligibility purposes, SCIC calculates a whole farm 1. Receive an establishment indemnity
claim (using the seeding intensity) separate from a 2. Gopher Damage feature
summerfallow claim, as all acres of the previous year’s
summerfallow are expected to be seeded in the current If a customer chooses to file an establishment
year. The Unseeded Acreage claim is paid on the claim, standard eligibility applies. Any subsequent
greater of these two calculations. crop seeded on those acres is eligible for further
establishment and yield-loss coverage.

26
Compensation is provided at $50 per acre for crop
acres destroyed by gophers. Such acres are not eligible
for further insurance within the current program year.
Damage occurring after June 20 may qualify
for compensation under the Wildlife Damage
Compensation Program.
For more information, contact your customer
service office or visit www.scic.ca.
OPTIONS
Winterkill
Winterkill coverage is a separate option for fall rye
and winter wheat. Winterkill claims are subject to an
eight per cent deductible per legal land description.
Producers have until August 25 to select winterkill
insurance for fall rye and winter wheat crops to be
seeded by September 30. Premiums are charged in
the year of establishment.
Winterkill coverage for winter wheat, seeded in the fall
prior to the year of harvest, will be available in all risk
zones regardless of the stubble type into which the crop
is seeded. The stubble type determines if the acres are
charged a low- or high-risk premium rate. Contact your
local Crop Insurance office for further details regarding
stubble requirements. Customers with winterkill
coverage will be asked several risk assessment
questions on the Fall-Seeded Acreage Report which
will determine the risk category of the acres.
Yield-loss coverage can be selected in the spring of the
harvest year. If you do not select winterkill coverage, fall
crops to be insured for yield-loss are subject to a spring
inspection to assess establishment.
Irrigation Coverage
Comprehensive coverage is available for crops grown
on irrigated and dryland land uses. To reflect the higher
production potential and reduced risk of irrigated crop
production, coverage is based on individual irrigated
production records, and the premium rate is reduced to
a percentage of the dryland rate. Producers contribute
40 per cent of the premium cost and governments
contribute 60 per cent.
With the exception of the Enhanced Irrigation Option,
production from all acres of an insured crop, both
dryland and irrigated, is combined when calculating
a claim for a crop.
Enhanced Irrigation
To recognize the unique risks associated with irrigated
crop production, SCIC is continuing the Enhanced
Irrigation Option. The program allows irrigated
producers to further tailor their insurance by allowing a
separate production guarantee for irrigated and dryland
acres of the same crop. Coverage and claims on
irrigated acres of a crop is calculated separately from
a claim on the dryland acres of the same crop. This
allows a customer to be protected against losses on
one land use without being impacted by the production
of the same crop on the other land use.
Under the terms of the Canadian Agricultural
Partnership, this enhanced option requires the
customer to pay 66.7 per cent of the premium.
However, the provincial government contributes the
premium required to reduce the customer premium
share to 40 per cent, as in other program options.
If you opted for the Enhanced Irrigation Option last year,
it will be listed on your Confirmation of Insurance in
your endorsement package. If you wish to discontinue
this coverage, you must contact your local customer
service office. Customers wishing to select this option
for the first time must contact Saskatchewan Crop
Insurance. Customers are required to harvest and
store irrigated and dryland production separately in
order to be eligible for separate dryland and irrigated
coverage. Please contact your customer service office
for customer specific details.
27
Diversification Option
The Diversification Option is available for crops and
varieties and cropping practices, such as intercropping,
that are not insurable under core multi-peril Crop
Insurance. To be eligible for this option, you must also
have insured acres of traditional grains, oilseeds or
pulses in the multi-peril program. A maximum of 30 per
cent of total acres insured under the mult-peril program
can be included under the Diversification Option.
Coverage levels, premiums and any claims paid for the
crop grown under the Diversification Option are equal
to the average coverage, premium and claims paid for
your insured multi-peril acres.
Diversified annual crops that fail to establish by
June 20 due to insurable causes may be eligible for a
Diversification Establishment Benefit. A minimum of 10
acres or 10 per cent of the total eligible acres seeded
to the insurable diversified crop must have failed to
establish to receive a benefit per acre.
If your diversified crop has failed to adequately
establish or has suffered damage before June 20,
contact your customer service office. Eligibility
requirements for the Establishment Benefit will be
determined by an SCIC adjuster.

Diversification Option
Includes 30 per cent of the grains program’s insured acres.
Coverage levels, premiums and claims are equal to those
of your multi-peril acres.

Premium
Average premium
# of acres

Up to
Eligible
diversification acres Premium
Diversification premium

28 Acres insured under Diversification *Premium based on per acre

grains program acres average of other crops.
Pedigreed Seed Option
Customers selecting this option must be members of crop. For example, if you choose 70 per cent coverage
the Canadian Seed Growers’ Association. Recognizing on your HRSW crop under the Pedigreed Seed Option,
the unique value and higher costs associated with you must also select 70 per cent coverage for your
pedigreed seed production, the Pedigreed Seed commercial HRSW crop.
Option provides:
Individual coverage and yield-losses are calculated
• A higher price option for insurable crops
and updated separately for pedigreed and commercial
• A quality adjustment if the germination of the seed
crops. Pedigreed and commercial production must be
produced is below certified seed standards due to
kept separate.
insurable causes of loss

If you harvested feed HRSW that failed the germination

If you believe the germination of your harvested
standards for Canada Certified #1, the quality
production is below the certified standard, you must
factor would be calculated as the commercial factor
request a germination test when the adjuster completes
divided by the price difference between pedigreed
the claim or supply a record of a germination test.
and commercial.

If you select the Pedigreed Seed Option, you must

select the same coverage level for your commercial

Pedigreed Seed Option

This option provides a higher price option for insurable crops and
a quality adjustment. If you select the Pedigreed Seed Option, you
must select the same coverage level for your commercial crop.

Pedigreed seed Commercial crop 29

coverage level coverage level
Crop Averaging Program
The Crop Averaging Program provides insurance coverage for a basket of crops grown by
a producer. This allows producers to insure at a higher overall coverage level compared to
insuring each crop separately but for the same premium cost.

Only select crops are insurable under this program. Changing your seeding plans or updating your
For a complete list, contact your customer service individual coverage after March 31 may affect your
office or visit www.scic.ca. Irrigated acres are eligible coverage level. If your seeding plans change and
for this option. you would like to know how it will impact your CAP
coverage, contact your customer service office.
COVERAGE
If you seed an eligible crop you did not endorse under
Customers in the Crop Averaging Program (CAP) can
the Crop Averaging Program by March 31, it will
select and pay premium at the 50, 60, 70 and 80 per
automatically be endorsed and included according to
cent level in return for higher coverage at the base
the information you provide on your Seeded Acreage
price. Customers select one coverage level, which is
Report. Crop Averaging Program coverage will be
applied to all CAP crops. In some cases, producers
recalculated based on the insured acres as provided on
would receive more than ten per cent additional
your Seeded Acreage Report.
coverage (cannot exceed 90 per cent), depending on
their own crop mix. CAP allows producers to basket
CLAIMS
production on all their eligible crops in return for higher
coverage. This option cannot be combined with the In- A CAP claim is paid based on the total value of crops
Season or Contract Price Option. This option cannot be harvested compared to the dollar coverage on all crops.
selected with Enhanced Irrigation. The dollar value is used to calculate the total production
loss; CAP does not provide a guarantee of market
You must endorse all CAP eligible crops you intend to price. You must declare all of your production before
seed. To determine your additional coverage, please a claim can be filed. Your Statement of Indemnity will
use the CAP coverage and premium “what if” include your final claim calculation.
calculator available at www.scic.ca or at your customer
service office. The CAP calculator will provide you with
the coverage possibilities depending on the
combination of crops and number of acres selected.

30
The Claims Process
Contact SCIC as soon as an insured crop suffers significant damage.
ESTABLISHMENT BENEFIT CLAIMS
If your crop does not adequately establish or suffers
significant damage due to insurable causes, you need
to file an establishment claim by June 20. For more
information about the Establishment Benefit, see
page 25.
UNSEEDED ACREAGE CLAIMS
Land that is too wet to seed due to excessive spring
moisture may qualify for an unseeded acreage claim.
The deadline to submit this claim is June 25. To learn
more about eligible acres, see page 26 or talk to your
Crop Insurance office.
PRE-HARVEST APPRAISALS
If you wish to put your insured acres to a use other than
harvesting, contact your customer service office before
destroying or putting the acres to another use. To
account for all production, an adjuster will inspect any
acres put to an alternate use. The appraised value will
be applied in the event of a claim.
POST-HARVEST CLAIMS
Contact your customer service office to register a
claim on harvested crops immediately after completing
harvest but no later than November 15. Your total
harvested production information must be submitted
before you can register any yield-loss claims. Producers
are insured for both losses in quality and yield.
Producers that project a quality loss should talk to their
crop insurance office.
Claims may be denied if submitted more than 15
days after harvest is generally completed in your area.
Claims will not be accepted after December 31. Late
filed claims from November 16 to December 31 will
have indemnities reduced by 25 per cent up to $1,000.
Insurance does not cover losses to production while
in storage.
SCIC will pay a limited number of claims based on
production information supplied by customers and
without a visit by an adjuster. SCIC uses established
criteria to determine if you are eligible to receive
your claim payment based on your declared yields.
When registering a post‑harvest claim, customer
service staff will inform you if you are eligible.
31
EXTENSIONS OF INSURANCE
For all crops except forage and potatoes, coverage
expires November 15 of the year the crop was seeded.
If you have unharvested acres as of November 15,
you must contact SCIC and request an extension of
insurance. Coverage may be extended in areas where
harvesting is generally not completed. An application
must be completed and approval given for each
extension request. If you are granted an extension, 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.
DEFERRAL OF INDEMNITY
Indemnity payments can be deferred up to one year
following your claim inspection date. If you wish to
defer your claim, you must tell your adjuster before the
cheque is issued. Once a cheque is issued, it cannot
be returned for deferral. This complies with the Canada
Revenue Agency.
Indemnities deferred to January 1 of the following year
will be mailed before the end of December. You have
the choice of deferring the entire indemnity, which will
require payment of the entire premium 15 days prior
to the deferral date, or you can request to have the
premium deducted from the indemnity and have the
remaining balance deferred.
32
DIRECT DEPOSIT
SCIC can deposit your claim into your savings or
chequing account through direct deposit. You will be
notified when the deposit is made. Deferred claims
will be deposited on the selected deferral date based
on the turnaround time at your financial institution.
Authorization for Direct Deposit forms are available
www.scic.ca, from your adjuster or your customer
service office.
RECEIVING CLAIM PAYMENTS
SCIC can deposit your claim into your savings or
chequing account through direct deposit.
If premium is owing, your indemnity will be applied to
the amount owing with remaining funds, if applicable,
paid out to you.
APPEALING YOUR CLAIM
An appeal process is in place to address claim disputes
between SCIC and customers. This process ensures all
customer concerns are addressed quickly, fairly and
are fully investigated. For more information on the
appeal process visit www.scic.ca.
Preventing Program Abuse
All customers pay the price for dishonest claims
through higher premiums. SCIC’s Compliance unit
assists in maintaining a fair program, ensuring every
premium dollar collected goes to farmers who
experience uncontrollable losses.
An audit is a formal examination of your farming
records, land and grain storage facilities by an
SCIC employee. Performed year-round, there are many
reasons you might be selected for an audit.
• Random, computer-generated selection
• High indemnity-to-premium ratio
• Unusually high dockage on claims
• Unusual or a history of repeated claims
• Complaints from internal or external sources
• Anonymous tip through Saskatchewan Crime Stoppers
Audits are also conducted to ensure the fairness and
accuracy of employees’ work. During an audit, you may
be asked to produce farming records and allow access
to your farm for matters arising from the contract of
insurance. As a condition of your contract of insurance,
SCIC can access your operational information from
grain companies or other individuals and organizations.
If false or misleading information is discovered, your
contract could be terminated and any excess money
returned to the Corporation. Insurance may be voided
for the crop year in which the fraudulent action
occurred and will remain void until the Corporation
approves reinstatement of the contract. Any premiums
paid on voided contracts may not be returned and any
unpaid premiums will remain owed.
If you suspect program abuse, a complaint can be filed
at any customer service office or with Saskatchewan
Crime Stoppers. Crime Stoppers guarantees complete
anonymity; call 1.800.222.8477.
FARM PRACTICE SURVEYS
SCIC conducts farm practice surveys to examine the
farming practices of selected customers, monitoring
farming methods on traditional and non-traditional
crops and verifying the use of recommended farming
practices. You may be selected for a farm practice
survey because of a history of repeated or unusual
claims (high dockage claims, repeated uninsured
causes of losses applied, etc.).
If you have been selected for a farm practice survey,
you will be asked to provide crop input information
(i.e. seeding rates and chemical applications), the
grain or forage type, variety, seeding dates and
seeding methods on a Cropping Plan form to be
completed by March 31. The adjuster will review your
efforts to prevent and control losses. If the form is
not returned or if the farm inspection finds uninsured
causes of loss, your potential claim for the year will be
adjusted accordingly.
33
 Sunflower Insurable Zones
SUNFLOWER INSURABLE ZONES

Sunflower
Sunflower (OFS) – Oilseed Full(OFS)
Season - Oilseed Full Season GrainsRiskZone
Grains Risk Zone
Sunflower
Sunflower (OEM) (OEM)
– Oilseed Early - Oilseed
Maturing Early Maturing RM RM

±
Early Maturing (OEM)
Early Varieties
Maturing Only
(OEM) Varieties Only
Meridian 3
65
27 26
25 24 23 22 21 20
18 17 Both Full(OFS) and
Both Early
Full (OEM)
(OFS) Varieties
and Early (OEM) Varieties
64 19 16 15 14 13 12
63
622
62
61
60
59 11 10 9 8 7 6 Meridian 2 Meridian 1
58 588
561
57 5 4 3 2 1 27 26 25 24 23 22
56 7 6 5 4 3 2 1 31 30
21 20 19 18 17 16 15 14 13 12 11 10 9 8
23
555 56
55
55
54
53 501 520 54
521 53
52 499
488 52
51 502 496
50
498 497 494 486 51
49
48
472
471
469
493
21 491
490
487
50
49
48

22
47
468 466 461
46 470 467 464 458 457 456
47
460 459 394 46
45 440
442 463 45

20
44
43
42
439
438
437 436
435 434 431 430 429 428 427 17 44
43

18
42
41 411 410 403 402 426 395
409 406 404 401 400 41

19 397
40 399 398
39 405 40
39
38 382 381 380 379 378 377 376 373 372 366 38
37 371 370 369 368 367
36 344 37

35 352 335 334 333 331 36

351 350 349 347 35
34 346 345 343 342 340 339 338 337 336 34
33 341
33
32 322 321 320 314 303
15 309
319 318 317 316 315 305 304 301 32
31 313 312 310 307
14
31
30 308
16 288
30
29 292 276
290 284 283 275 274 271 29
28 287 282 281 280 277 273 28
286 285
27 279 27
26
25 261 260 259 257 256 255
254 12 252 251 250 248 247 246 245 244 243 241 26
25
24 253 215 24
23
22
228
13 224 223 222 221 220
219 218 217 216
11 214 213 211 23
22
21 230 226 225
232 231 229
21
20 181 20
19 194 193 190 187 186 185 184 183
191 19
18 167 189 152 18
168
159 158 157
10
17 166 165 163 156
9
171 169 154 17
16 142 151
164 162 161 160 155 153
8 7
16
15
15
14 141 139 137 127 126 122 121 14
13
138 136 135 134 133 132 131 130 129 128 125 124 123 13
12
11
110 12
109 94 11

4
10 107 106 105 104 103 102 101 100 99 98 97 96 95 93 92 91
111 10

5
9 108
8
7 79 77 76 75 74
6 72 70 69 68 67 66 65 64 63 61
9
8
7
6 78 73 71
6
5 49
36 31 5
4
3
2
51
17
46
45 3 43
42 40 39 38 37
2
35 34 33
132 4
3
19 18 4 3 2 1 2
1 44 12 11 10 9 8 7 6 5
1
30 29 28 27 26 25
24 23 22 21 20 19 33 32 31 30
18 17 16 15 14 13 12 11 10 9 8 7 6 5 4 3 2 1 30 29 28 27 26 25 24 23 22 21 20 19 18 17 16 15 14 13 12 11 10 9 8 7 6 5 4 3 2 1 34

Meridian 3 Meridian 2 Meridian 1

RM Boundary Source: Information Services Corporation, Sask.

34
 Small Seed Coriander Insurable Zone
SMALL SEED CORIANDER INSURABLE ZONE

Grains Risk Zone

GrainsRiskZone RM

±
RM Coriander Zone
Meridian 3
27 26
18 17 Coriander Zone
65 25 24 23 22 21 20
64 19 16 15 14 13 12
63
622
62
61
60
59 11 10 9 8 7 6 Meridian 2 Meridian 1
58 588
561
57 5 4 3 2 1 27 26 25 24 23 22
56 7 6 5 4 3 2 1 31 30
21 20 19 18 17 16 15 14 13 12 11 10 9 8
23
555 56
55
55
54
53 501 520 54
521 53
52 499
488 52
51 502 496
50
498 497 494 486 51
49
48
472
471
469
493
21 491
490
487
50
49
48

22 466
47
470 468 467 461 47
46 464 459 458 457 456 394
45 440 460 46
442 463 45

20
44
43
42
439
438
437 436
435 434 431 430 429 428 427 17 44
43

18
42
41 411 410 403 402 426 395
409 406 404 401 400 41

19 397
40 399 398
39 405 40
39
38 382 381 380 379 378 377 376 373 372 366 38
37 371 370 369 368 367
36 344 37

35 352 335 334 333 331 36

351 350 349 347 35
34 346 345 343 342 340 339 338 337 336 34
33 341
33
32 322 321 320 314 303
15 309
319 318 317 316 315 305 304 301 32
31 313 312 310 307
14
31
30 308
16 288
30
29 292 276
290 284 283 275 274 271 29
28 287 282 281 280 277 273 28
286 285
27 279 27
26
25 261 260 259 257 256 255
254 12 252 251 250 248 247 246 245 244 243 241 26
25
24 253 215 24
23
22
228
13 224 223 222 221 220
219 218 217 216
11 214 213 211 23
22
21 230 226 225
232 231 229
21
20 181 20
19 194 193 190 187 186 185 184 183
191 19
18 167 189 152 18
168
159 158 157
10
17 166 165 163 156
9
171 169 154 17
16 142 151
164 162 161 160 155 153
8 7
16
15
15
14 141 139 137 127 126 122 121 14
13
138 136 135 134 133 132 131 130 129 128 125 124 123 13
12
11
110 12
109 94 11

4
10 107 106 105 104 103 102 101 100 99 98 97 96 95 93 92 91
111 10

5
9 108
8
7 79 77 76 75 74
6 72 70 69 68 67 66 65 64 63 61
9
8
7
6 78 73 71
6
5 49
36 31 5
4
3
2
51
17
46
45 3 43
42 40 39 38 37
2
35 34 33
1 32 4
3
19 18 4 3 2 1 2
1 44 12 11 10 9 8 7 6 5
1
30 29 28 27 26 25
24 23 22 21 20 19 33 32 31 30
18 17 16 15 14 13 12 11 10 9 8 7 6 5 4 3 2 1 30 29 28 27 26 25 24 23 22 21 20 19 18 17 16 15 14 13 12 11 10 9 8 7 6 5 4 3 2 1 34

Meridian 3 Meridian 2 Meridian 1

RM Boundary Source: Information Services Corporation, Sask.

35
 Chickpea Insurable Zones
CHICKPEA INSURABLE ZONES
For details on insurable chickpea zones, GrainsRiskZone
For details oncontact your
insurable local customer
chickpea zones, service office. Grains Risk Zone
RM
contact your local customer service office.
Risk Zone 1 RM

±
Risk Zone 2 Risk Zone 1
Meridian 3
27 26
18 17 Risk Zone 3 Risk Zone 2
65 25 24 23 22 21 20
64 19 16 15 14 13 12

62
63
622 Risk Zone 3
61
60
59 11 10 9 8 7 6 Meridian 2 Meridian 1
58 588
561
57 5 4 3 2 1 27 26 25 24 23 22
56 7 6 5 4 3 2 1 31 30
21 20 19 18 17 16 15 14 13 12 11 10 9 8
23
555 56
55
55
54
53 501 520 54
521 53
52 499
488 52
51 502 496
50
498 497 494 486 51
49
48
472
471
469
493
21 491
490
487
50
49
48

22 466
47
470 468 467 461 47
46 464 459 458 457 456 394
45 440 460 46
442 463 45

20
44
43
42
439
438
437 436
435 434 431 430 429 428 427 17 44
43

18
42
41 411 410 403 402 426 395
409 406 404 401 400 41

19 397
40 399 398
39 405 40
39
38 382 381 380 379 378 377 376 373 372 366 38
37 371 370 369 368 367
36 344 37

35 352 335 334 333 331 36

351 350 349 347 35
34 346 345 343 342 340 339 338 337 336 34
33 341
33
32 322 321 320 314 303
15 309
319 318 317 316 315 305 304 301 32
31 313 312 310 307
14
31
30 308
16 288
30
29 292 276
290 284 283 275 274 271 29
28 287 282 281 280 277 273 28
286 285
27 279 27
26
25 261 260 259 257 256 255
254 12 252 251 250 248 247 246 245 244 243 241 26
25
24 253 215 24
23
22
228
13 224 223 222 221 220
219 218 217 216
11 214 213 211 23
22
21 230 226 225
232 231 229
21
20 181 20
19 194 193 190 187 186 185 184 183
191 19
18 167 189 152 18
168
159 158 157
10
17 166 165 163 156
9
171 169 154 17
16 142 151
164 162 161 160 155 153
8 7
16
15
15
14 141 139 137 127 126 122 121 14
13
138 136 135 134 133 132 131 130 129 128 125 124 123 13
12
11
110 12
109 94 11

4
10 107 106 105 104 103 102 101 100 99 98 97 96 95 93 92 91
111 10

5
9 108
8
7 79 77 76 75 74
6 72 70 69 68 67 66 65 64 63 61
9
8
7
6 78 73 71
6
5 49
36 31 5
4
3
2
51
17
46
45 3 43
42 40 39 38 37
2
35 34 33
1 32 4
3
19 18 4 3 2 1 2
1 44 12 11 10 9 8 7 6 5
1
30 29 28 27 26 25
24 23 22 21 20 19 33 32 31 30
18 17 16 15 14 13 12 11 10 9 8 7 6 5 4 3 2 1 30 29 28 27 26 25 24 23 22 21 20 19 18 17 16 15 14 13 12 11 10 9 8 7 6 5 4 3 2 1 34

Meridian 3 Meridian 2 Meridian 1

RM Boundary Source: Information Services Corporation, Sask.

36
 Dryland Dry
DRYLAND DRYBean Insurable
BEAN INSURABLE ZONE Zone

Grains Risk Zone

GrainsRiskZone
RM
RM

±
Dry Bean Zone
Meridian 3 DryBeanZone
27 26
65 25 24 23 22 21 20
19
18 17
16 15 14 13 12 Twp Townships
64
63
622
62
61
60
59 11 10 9 8 7 6 Meridian 2 Meridian 1
58 588
561
57 5 4 3 2 1 27 26 25 24 23 22
56 7 6 5 4 3 2 1 31 30
21 20 19 18 17 16 15 14 13 12 11 10 9 8
23
555 56
55
55
54
53 501 520 54
521 53
52 499
488 52
51 502 496
50
498 497 494 486 51
49
48
472
471
469
493
21491490 487
50
49
48

22 466
47
470 468 467 461 47
46 464 459 458 457 456 394
45 440 460 46
442 463 45

20
44
43
42
439
438
437 436
435 434 431 430 429 428 427 17 44
43

18
42
41 411 410 403 402 426 395
409 406 404 401 400 41

19 397
40 399 398
39 405 40
39
38 382 381 380 379 378 377 376 373 372 366 38
37 371 370 369 368 367
36 344 37

35 352 335 334 333 331 36

351 350 349 347 35
34 346 345 343 342 340 339 338 337 336 34
33 341
33
32 322 321 320 314 303
15 309
319 318 317 316 315 305 304 301 32
31 313 312 310 307
14
31
30 308
16 288
30
29 292 276
290 284 283 275 274 271 29
28 287 282 281 280 277 273 28
286 285
27 279 27
26
25 261 260 259 257 256 255
254 12 252 251 250 248 247 246 245 244 243 241 26
25
24 253 215 24
23
22
228
13 224 223 222 221 220
219 218 217 216
11 214 213 211 23
22
21 230 226 225
232 231 229
21
20 181 20
19 194 193 190 187 186 185 184 183
191 19
18 167 189 152 18
168
159 158 157
10
17 166 165 163 156
9
171 169 154 17
16 142 151
164 162 161 160 155 153
8 7
16
15
15
14 141 139 137 127 126 122 121 14
13
138 136 135 134 133 132 131 130 129 128 125 124 123 13
12
11
110 12
109 94 11

4
10 107 106 105 104 103 102 101 100 99 98 97 96 95 93 92 91
111 10

5
9 108
8
7 79 77 76 75 74
6 72 70 69 68 67 66 65 64 63 61
9
8
7
6 78 73 71
6
5 49
36 31 5
4
3
2
51
17
46
45 3 43
42 40 39 38 37
2
35 34 33
1 32 4
3
19 18 4 3 2 1 2
1 44 12 11 10 9 8 7 6 5
1
30 29 28 27 26 25
24 23 22 21 20 19 33 32 31 30
18 17 16 15 14 13 12 11 10 9 8 7 6 5 4 3 2 1 30 29 28 27 26 25 24 23 22 21 20 19 18 17 16 15 14 13 12 11 10 9 8 7 6 5 4 3 2 1 34

Meridian 3 Meridian 2 Meridian 1

RM Boundary Source: Information Services Corporation, Sask.

37
 Irrigated Timothy Hay Insurable Zone
IRRIGATED TIMOTHY HAY INSURABLE ZONE

Grains Risk Zone

RM
GrainsRiskZone

±
Irrigated Timothy Townships
Meridian 3 RM
27 26
18 17
65
64
25 24 23 22 21 20
19 16 15 14 13 12 Irr Timothy Twps
63
622
62
61
60
59 11 10 9 8 7 6 Meridian 2 Meridian 1
58 588
561
57 5 4 3 2 1 27 26 25 24 23 22
56 7 6 5 4 3 2 1 31 30
21 20 19 18 17 16 15 14 13 12 11 10 9 8
23
555 56
55
55
54
53 501 520 54
521 53
52 499
488 52
51 502 496
50
498 497 494 486 51
49
48
472
471
469
493
21491490 487
50
49
48

22
47
468 466 461
46 470 467 464 458 457 456
47
460 459 394 46
45 440
442 463 45

20
44
43
42
439
438
437 436
435 434 431 430 429 428 427 17 44
43

18
42
41 411 410 403 402 426 395
409 406 404 401 400 41

19 397
40 399 398
39 405 40
39
38 382 381 380 379 378 377 376 373 372 366 38
37 371 370 369 368 367
36 344 37

35 352 335 334 333 331 36

351 350 349 347 35
34 346 345 343 342 340 339 338 337 336 34
33 341
33
32 322 321 320 314 303
15 309
319 318 317 316 315 305 304 301 32
31 313 312 310 307
14
31
30 308
16 288
30
29 292 276
290 284 283 275 274 271 29
28 287 282 281 280 277 273 28
286 285
27 279 27
26
25 261 260 259 257 256 255
254 12 252 251 250 248 247 246 245 244 243 241 26
25
24 253 215 24
23
22
228
13 224 223 222 221 220
219 218 217 216
11 214 213 211 23
22
21 230 226 225
232 231 229
21
20 181 20
19 194 193 190 187 186 185 184 183
191 19
18 167 189 152 18
168
159 158 157
10
17 166 165 163 156
9
171 169 154 17
16 142 151
164 162 161 160 155 153
8 7
16
15
15
14 141 139 137 127 126 122 121 14
13
138 136 135 134 133 132 131 130 129 128 125 124 123 13
12
11
110 12
109 94 11

4
10 107 106 105 104 103 102 101 100 99 98 97 96 95 93 92 91
111 10

5
9 108
8
7 79 77 76 75 74
6 72 70 69 68 67 66 65 64 63 61
9
8
7
6 78 73 71
6
5 49
36 31 5
4
3
2
51
17
46
45 3 43
42 40 39 38 37
2
35 34 33
1 32 4
3
19 18 4 3 2 1 2
1 44 12 11 10 9 8 7 6 5
1
30 29 28 27 26 25
24 23 22 21 20 19 33 32 31 30
18 17 16 15 14 13 12 11 10 9 8 7 6 5 4 3 2 1 30 29 28 27 26 25 24 23 22 21 20 19 18 17 16 15 14 13 12 11 10 9 8 7 6 5 4 3 2 1 34

Meridian 3 Meridian 2 Meridian 1

RM Boundary Source: Information Services Corporation, Sask.

38
 Khorasan Wheat/Kamut
KHORASAN WHEAT / KAMUT®
®
Brand
BRAND Grain
GRAIN Insurable
INSURABLE ZONEZone

Grains Risk Zone

GrainsRiskZone
RM RM

±
Meridian 3 Khorasan Zone Khorasan Zone
27 26
18 17
65
64
25 24 23 22 21 20
19 16 15 14 13 12 Twp Townships
63
622
62
61
60
59 11 10 9 8 7 6 Meridian 2 Meridian 1
58 588
561
57 5 4 3 2 1 27 26 25 24 23 22
56 7 6 5 4 3 2 1 31 30
21 20 19 18 17 16 15 14 13 12 11 10 9 8
23
555 56
55
55
54
53 501 520 54
521 53
52 499
488 52
51 502 496
50
498 497 494 486 51
49
48
472
471
469
493
21 491
490
487
50
49
48

22
47
468 466 461
46 470 467 464 458 457 456
47
460 459 394 46
45 440
442 463 45

20
44
43
42
439
438
437 436
435 434 431 430 429 428 427 17 44
43

18
42
41 411 410 403 402 426 395
409 406 404 401 400 41

19 397
40 399 398
39 405 40
39
38 382 381 380 379 378 377 376 373 372 366 38
37 371 370 369 368 367
36 344 37

35 352 335 334 333 331 36

351 350 349 347 35
34 346 345 343 342 340 339 338 337 336 34
33 341
33
32 322 321 320 314 303
15 309
319 318 317 316 315 305 304 301 32
31 313 312 310 307
14
31
30 308
16
30
29 292 288 276
290 284 283 275 274 271 29
28 287 282 281 280 277 273 28
286 285
27 279 27
26
25 261 260 259 257 256 255
254 12 252 251 250 248 247 246 245 244 243 241 26
25
24 253 215 24
23
22
228
13 224 223 222 221 220
219 218 217 216
11 214 213 211 23
22
21 230 226 225
232 231 229
21
20 181 20
19 194 193 190 187 186 185 184 183
191 19
18 167 189 152 18
168
159 158 157
10
17 166 165 163 156
9
171 169 154 17
16 142 151
164 162 161 160 155 153
8 7
16
15
15
14 141 139 137 127 126 122 121 14
13
138 136 135 134 133 132 131 130 129 128 125 124 123 13
12
11
110 12
109 94 11

4
10 107 106 105 104 103 102 101 100 99 98 97 96 95 93 92 91
111 10

5
9 108
8
7 79 77 76 75 74
6 72 70 69 68 67 66 65 64 63 61
9
8
7
6 78 73 71
6
5 49
36 31 5
4
3
2
51
17
46
45 3 43
42 40 39 38 37
2
35 34 33
132 4
3
19 18 4 3 2 1 2
1 44 12 11 10 9 8 7 6 5
1
30 29 28 27 26 25
24 23 22 21 20 19 33 32 31 30
18 17 16 15 14 13 12 11 10 9 8 7 6 5 4 3 2 1 30 29 28 27 26 25 24 23 22 21 20 19 18 17 16 15 14 13 12 11 10 9 8 7 6 5 4 3 2 1 34

Meridian 3 Meridian 2 Meridian 1

RM Boundary Source: Information Services Corporation, Sask.

39
40
Customer Service Offices
Assiniboia Kindersley North Regina Tisdale
Box 340 Unit 1120 Battleford 515 Henderson Dr. Box 310
401 1st Ave. W. 608 12th Ave. E. Kramer Place Regina, SK 1105 99th St.
Assiniboia, SK Kindersley, SK #100-1192 102nd St. S4N 5X1 Tisdale, SK
S0H 0B0 S0L 1S2 North Battleford, SK 1.888.935.0001 S0E 1T0
1.888.935.0017 1.888.935.0021 S9A 1E9 1.888.935.0014
1.888.935.0028 Rosetown
Davidson Leader Box 1000 Turtleford
Box 339 Box 387 Preeceville 124 2nd Ave W. Box 400
103 Lincoln St. #5-111 1st Ave. W. Box 800 Rosetown, SK 217A Main St.
Davidson, SK Leader, SK 239 Hwy. Ave. E. S0L 2V0 Turtleford, SK
S0G 1A0 S0N 1H0 Preeceville, SK 1.888.935.0019 S0M 2Y0
1.888.935.0020 1.888.935.0011 S0A 3B0 1.888.935.0030
1.888.935.0015 Saskatoon
Estevan Moose Jaw 3830 Thatcher Ave. Weyburn
Box 1716 45 Thatcher Dr. E. Prince Albert Saskatoon, SK Box 2003
#5-419 Kensington Ave. Moose Jaw, SK Box 3003 S7R 1A5 #119-110 Souris Ave. N.E.
Estevan, SK S6J 1L8 800 Central Ave. 1.888.935.0024 Weyburn, SK
S4A 1C8 1.888.935.0012 Prince Albert, SK S4H 2Z8
1.888.935.0002 S6V 6G1 Shaunavon 1.888.935.0003
Moosomin 1.888.935.0018 Box 1210
Humboldt Box 889 55 3rd Ave. E. Yorkton
Box 660 709 Carleton St. Raymore Shaunavon, SK 38 5th Ave. N.
2414 Westwood Drive Moosomin, SK Box 178 S0N 2M0 Yorkton, SK
Humboldt, SK S0G 3N0 113 Main St. 1.888.935.0010 S3N 0Y8
S0K 2A0 1.888.935.0005 Raymore, SK 1.888.935.0013
1.888.935.0026 S0A 3J0 Swift Current
1.888.935.0016 E.I. Wood Building
Box 5000
#102-350 Cheadle St. W.
Swift Current, SK
S9H 4G3
1.888.935.0007

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41
42
Contact Information
Saskatchewan Crop Insurance Corporation Head Office
484 Prince William Drive
Box 3000
Melville, SK S0A 2P0

Email: customer.service@scic.ca
Phone: 306.728.7200
Fax: 306.728.7202
Toll Free: 1.888.935.0000

Office Hours:
Monday to Friday, 8 a.m. to 5 p.m.
Closed weekends and statutory holidays.