Individual Coverage

Purpose

Individual coverage provides each producer with an individual probable yield that is based on their own yield history.

A two-year lag applies in the calculation (i.e. data from the to crop years are used in the Individual Coverage calculation).
There is no buffering or allowance for losses caused by hail or wildlife. However, losses caused by a third party such as spray drift may be considered eligible production for the individual coverage calculation provided MASC appraises the loss and the third party provides compensation for the loss.
In order for the yield information to be applied for a given year, there must be at least 5 insurable acres (3 acres for vegetables) for that crop.
The calculation is based on historical data and information reported by the producer on Harvested Production Reports and/or claims (excluding reseed claims).
First time insureds must provide historical information by June 30 in order for the information to be used in the current year’s coverage (information received after June 30 will be used in future calculations).
If a producer has not grown the crop in one or more of the previous years, the crop’s area average yield (adjusted to reflect the producer’s experience) will be used for the calculation’s non-growing years.