Excess Moisture Insurance

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Purpose

Excess Moisture Insurance (EMI) provides protection against the inability to seed land due to continuous excess moisture (flooding or rainfall in the spring).

Eligibility

All acres that are ready for crop seeding on or before June 20 (including perennial forages, sod and pasture if these acres are destroyed by June 10 and are ready for seeding) are eligible.
EMI is not provided on the following:
- Land under sod, pasture or perennial forage, unless the acreage was destroyed on or before June 10 and is ready for spring seeding.
- Fall rye, winter wheat or fall seeded forages.
- Land which was not seeded due to excess moisture in the previous year and which could have been worked in that previous year but was not.
- Land that MASC has deemed to be uninsurable due to high risk of flooding and/or excess moisture.
- Land added to a producer’s contract after March 31 is only eligible for EMI if it was purchased on or before June 30.

Coverage

Basic EMI coverage of $ per acre is included as part of the AgriInsurance program for all MASC contract holders, subject to a standard 5 per cent deductible.
The deductible is calculated on the number of acres that would normally be available for seeding in the spring excluding cultivated land that was seeded the previous fall and land that is in perennial crop, sod, pasture, or bush.
An insured’s EMI deductible percentage increases five per cent for each year that they have an EMI claim (that exceeds their base deductible acres) and decreases 5 per cent in each non-claim year to the minimum standard of 5 per cent.
If an insured is in a tenant/landlord arrangement and has a claim on one unit, the deductible on the other unit(s) will also increase.
November 30 (before the crop year) is the last day to make changes to your EMI selections, including the RDO and HDVO.
March 31 is the last day to add rented land for EMI coverage, or apply for, add or delete crops, or to cancel an AgriInsurance contract.

High Dollar Value Options (HDVO)

Producers have the option to buy up coverage from the basic $ per acre to $ or $ per acre. Only one buy-up level can be selected, which will apply to all acres on the producer’s contract.

Reduced Deductible Option (RDO)

This option allows producers to reduce their deductible to five per cent. The Canada Production Insurance Regulations (Federal) require that all insurance programs have a deductible.
Insureds selecting the EMI Reduced Deductible Option are charged additional premium on all acres eligible for EMI.

Cost

Basic EMI coverage is provided automatically as part of the AgriInsurance program. EMI premium is based on all cultivated land, not just acres too wet too seed.
Producers pay per cent of the premium for the basic $ per acre coverage.
Producers pay per cent of premiums for the HDVOs, up to $ per acre coverage.
Producers pay per cent of the premiums for the top $ per acre of the $ per acre option.
Producers pay per cent of the RDO premium.
The remainder of EMI premiums are funded by the federal and provincial governments.

Claims

A claim is calculated on the number of acres not seeded due to excess moisture, less the EMI deductible multiplied by the Dollar Value ($, $ or $).
An EMI indemnity will not be paid if there are less than 10 acres that were not seeded due to excess moisture on a whole farm basis or by unit if a landlord contract is involved.
Claims must be filed early so that an adjustor can verify the acreage and assess the inability to seed.
Claims must be filed by submitting a completed Seeded Acreage Report (SAR) no later than June 22 (June 23 for 2025).
- Claims registered after June 22 (June 23 for 2025), but on or before June 30, will be charged a late filing fee of 25 per cent of the claim (to a maximum of $1,000).
- Claims filed after June 30 will not be accepted.

Claims (cont'd)

EMI Coverage and Producer Share of Premium Costs per acre ( crop year)

Claim Example 1: Basic EMI Coverage

A producer has 400 acres of cropland. The producer reports that 50 acres were unseeded due to excess moisture. The producer has a 10 per cent deductible and did not select an EMI High Dollar Value Option (HDVO).

Eligible Acres:	= 400
Deductible EMI Acres (10 per cent):	= 10 per cent x 400 = 40 deductible EMI acres
Acres not seeded:	= 50
EMI Indemnity:	= (50 acres - 40 acres) x $ = $
Producer Premium:	= 400 eligible acres x $ = $

Claim Example 2: RDO Selected

Using the information in Claim Example 1, if the producer had instead selected the EMI RDO:

Only 5 per cent of acres (20) are deductible;
30 acres (50 - 20) would be eligible for an indemnity (30 x $ = $); and
Producer premium for EMI with the RDO is $ (400 acres x $).

Claim Example 3: RDO and HDVO Selected

Using the information in Example 1, if the producer selects the EMI RDO and the $ HDVO:

Only 5 per cent of acres (20) are deductible;
30 acres (50 - 20) would be eligible for a higher dollar payment (30 x $ = $); and
Producer premium for EMI with the RDO and $ HDVO is $ (400 acres x $).

Claim Example 4: Below Minimum Acreage

Using the same information as in Example 1, but the producer has eight acres not seeded and has selected the EMI RDO.

No claim is payable, as the number of unseeded acres is less than the 10 acre minimum.

Other Program Details

Once the EMI RDO or one of the EMI HDVOs is selected, it remains in effect year after year until the producer deselects it.
Landlords with an AgriInsurance contract will have EMI coverage. The landlord will have the same deductible and dollar value as their tenant and are required to pay their share of the related premium cost.

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