AgriInsurance Regulation (M.R. 102/2024).

The AgriInsurance Regulation 102/2024 replaces the previous 2023 version and establishes a comprehensive insurance system for agricultural producers in Manitoba. It provides coverage for production losses due to designated perils such as drought, flood, frost, hail, pests, and disease. The insurance applies to crops, forage, unseeded land, and plant establishment, including strawberries and saskatoons. Supplementary programs include vegetable acreage loss insurance, a small farm pilot, pasture days insurance, options for harvest flood and enhanced quality, a hay disaster benefit, and specialized coverage like Crop Coverage Plus and Novel Crop Insurance. Eligibility requires applicants to be at least 18 years old and financially independent, with landlords generally excluded unless under specific contract price options. Applications must be submitted by March 31, with minimum acreage requirements varying by program. Insurance contracts auto-renew unless terminated and can be amended for supplementary coverage. Indemnities are calculated based on acreage, production loss, and dollar value, with specific formulas for each program. Crop-specific rules govern eligibility, especially for pedigreed seed, organic crops, and potatoes, with irrigation often required. Reporting requirements include deadlines for claims and production reports, with penalties for late submissions. Production is assessed based on quality, moisture, and other factors, and alternate use of crops without consent affects indemnity eligibility. Premiums are calculated using actuarial methods based on historical data and adjusted for risk factors, with caps on annual increases. The regulation includes detailed appendices outlining terms for vegetable loss, pasture days, and small farm programs, ensuring tailored coverage for diverse agricultural needs.