Crop Insurance Plan for Acreage Loss
made under Section 6 of the
Crop and Livestock Insurance Act
R.S.N.S. 1989, c. 113
O.I.C. 2016-73 (effective March 29, 2016), N.S. Reg. 51/2016
amended to O.I.C. 2024-23 (effective January 16, 2024), N.S. Reg. 4/2024
Table of Contents
Please note: this table of contents is provided for convenience of reference and does not form part of the regulations.
Click here to go to the text of the regulations.
Citation
Purpose
Interpretation
Determining eligible crops
Eligibility for coverage under this plan
Designated perils
Crop year
Deadline for notice of cancellation of insurance
Coverage
Established value for eligible crop
Maximum indemnity
Premiums
Deadline for paying premium
Final acreage calculation
Measuring actual area of insured crop
When indemnity payable
Calculating indemnity payable
When no indemnity payable
Citation
1 This plan may be cited as the Crop Insurance Plan for Acreage Loss.
Purpose
2 The purpose of this plan is to provide for insurance against a loss of production of or
damage to eligible crops caused by 1 or more of the perils designated in Section 6.
Interpretation
3 In this plan,
“Act” means the Crop and Livestock Insurance Act;
“eligible crops” in any crop year means crops that are determined by the
Commission under Section 4 to be eligible for insurance under this plan in that crop
year;
“established value”, in relation to an eligible crop, means the value per acre for the
crop established by the Commission under Section 10 for the purpose of calculating
indemnity under this plan;
“final acreage”, in relation to an eligible crop, means the total number of acres of that
crop that are insured under this plan in a crop year, as declared by the insured person
or revised or set by the Commission in accordance with Sections 14 and 15;
“terms and conditions of the Contract of Insurance” means the terms and conditions
set out in the Contract of Insurance in Form 1 to the General Crop Insurance Plans
Regulations made under the Act.
Determining eligible crops
4 Before the beginning of each crop year, the Commission must determine the eligible crops
for that crop year and publish a list of those eligible crops on the Commission’s website
and in any other manner that the Commission considers advisable.
Eligibility for coverage under this plan
5 An insurable person who has planted at least 2 acres of an eligible crop or any combination
of 2 or more eligible crops is eligible to apply for insurance under this plan.
Designated perils
6 The following are designated as perils for the purpose of this plan:
(a) frost occurring between the dates of May 1 and September 30;
(b) hail;
(c) disease for which there is no known control;
(d) drought;
(e) excessive moisture;
(f) off-crop due to adverse weather;
(g) wind;
(h) insects for which there is no known control;
(i) wildlife for which there is no known control;
(j) excessive heat; and
(k) wildfire.
Crop year
7 The crop year for the purposes of this plan is the period from April 1 in any year to
November 30 of the same year.
Deadline for notice of cancellation of insurance
8 For the purpose of clause 4(1)(a) of the terms and conditions of the Contract of Insurance,
a notice of cancellation of insurance under this plan must be given no later than March 31
in advance of the crop year for which the cancellation is to be effective.
Coverage
9 (1) All the area of each type of vegetable owned or operated by an insured person and to
be harvested is eligible to be offered for insurance coverage.
(2) If an insured person offers an area of vegetables for insurance coverage, the entire
area of that vegetable type must be offered for insurance coverage.
(3) The Commission may insure all or part of an area of vegetables offered for
insurance coverage.
(4) On written application by an insured person, the Commission may insure a
vegetable crop on the basis of variety, area, agronomic practice or specified perils.
Established value for eligible crop
10 For each crop year, the Commission must establish the value per acre for each eligible crop
and must announce the established values to insured persons before the beginning of the
crop year by publishing them to the Commission’s website and in any other manner that
the Commission considers advisable.
Maximum indemnity
11 The maximum indemnity for an insured crop for which the Commission is liable under a
contract of insurance under this plan is the amount obtained by multiplying the total
number of acres of the insured crop by the established value for that crop.
Premiums
12 (1) The base premium rate must be based on a methodology set by an actuary and
approved by the Commission.
(1A) The base premium rate must be adjusted by a factor approved by the Commission in
consultation with an actuary.
(2) The minimum annual premium payable by an insured person in each crop year is
$50.
(3) The premium determined pursuant to subsection (1) includes premium payments
made by the Government of Canada under the Farm Income Protection Act
(Canada) and the Province under the Act.
Deadline for paying premium
13 (1) An insured person must pay their premium, less any premium deposit previously
paid, to the Commission no later than August 1 for the current crop year.
(2) If an insured person is late paying their premium, interest of 1.5% per month or $5
per month, whichever is more, is charged by the Commission on the overdue
account.
Final acreage calculation
14 (1) No later than June 1 in a crop year, an insured person must file a declaration with the
Commission stating the final acreage for each of their insured crops, on a form
provided by the Commission for this purpose.
(2) If the Commission finds that the actual measured acreage of an insured crop is
different from the final acreage stated in a declaration filed under subsection (1), the
Commission may revise the final acreage accordingly in accordance with Section 15,
and in that case must notify the insured person in writing of the revision to the final
acreage and any adjustment of the premium.
(3) An insured person who receives notice from the Commission of a revised final
acreage calculation is deemed to agree with the revision unless, no later than 10 days
after the date the notice is received, the insured person notifies the Commission in
writing that they object to the revision.
(4) On receiving a notice of objection from an insured person under subsection (3), the
Commission may notify the insured person in writing that the contract of insurance
does not apply for the crop year for which the final acreage declaration was filed and,
in that case, the Commission must refund any premium deposit paid by the insured
person for that crop year.
(5) Unless the insured person notifies the Commission under subsection (3) that they
object to the Commission’s revision, a revised final acreage set by the Commission
for an insured crop is the final acreage for that crop.
(6) If an insured person fails to file a final acreage declaration in any crop year, the
Commission may
(a) set the final acreage for each of the insured person’s insured crops for that crop
year; or
(b) deem the insured area to be nil for that crop year.
(7) On setting the final acreage for an insured crop under clause (6)(a), the Commission
must notify the insured person of the final acreage by regular mail or by any other
manner of secure delivery that the Commission considers appropriate.
Measuring actual area of insured crop
15 (1) The Commission has sole discretion in determining the method used to measure the
area of an insured crop.
(2) [repealed]
(3) [repealed]
Notice of crop damage
16 (1) For the purpose of Section 9 of the terms and conditions of the Contract of
Insurance, an insured person must notify the Commission in accordance with
subsection (2) of crop loss or damage that occurs at any time during the crop year.
(2) Notice to the Commission of crop loss or damage must be given as follows:
(a) by telephone to the Commission immediately after the loss or damage becomes
apparent; and
(b) no later than 3 days following the telephone notice provided under clause (a),
by submitting a completed notice of crop loss or damage to the Commission
on a form provided by the Commission for that purpose.
(3) On receiving notice of crop loss or damage, the Commission may consent in writing
to the abandonment or destruction of the insured crop on the damaged area and, in
that case, it must determine the damaged area.
(4) A notice of crop loss or damage is considered only if the loss or damage occurs to at
least 1/2 acre of the insured area.
When indemnity payable
17 An indemnity is payable to an insured person only if
(a) the Commission has given the insured person written permission to abandon or
destroy an area of an insured crop;
(b) the affected area of an insured crop is destroyed by any means that are
acceptable to the Commission.
Calculating indemnity payable
18 Subject to any adjustment under Section 15 to the indemnity payable, the indemnity
payable for an insured crop is 90% of the amount obtained by multiplying the number of
destroyed acres by the established value for that crop.
When no indemnity payable
19 (1) No indemnity is payable under this plan with respect to a damaged area of an insured
crop in any of the following circumstances:
(a) the damaged area of the insured crop is not destroyed after the Commission has
consented to its destruction;
(b) the insured person harvests all or part of their insured crop.
(2) If an insured person abandons all or part of their insured crop without the consent in
writing of the Commission, no indemnity is payable under this plan with respect to
the abandoned area.
The following regulations are not yet in force and are
not included in the current consolidation: