Continuous Hail Insurance Option

Purpose

Producers selecting the Continuous Hail Insurance Option (CHIO) are not required to complete an annual hail application as hail insurance coverage renews automatically every year.

To be eligible for the CHIO, producers must have all eligible crops insured under AgriInsurance at the per cent coverage level.
Most crops are included in the CHIO automatically, with the following crops only eligible as Optional Crops:
- processing and table potatoes
- rutabagas
- cooking onions
- parsnips
- other onions
- carrots
- cabbage
- cauliflower
- broccoli
- sweet corn
- greenfeed
- Basic Hay
- Select Hay
- pedigreed timothy seed
- alfalfa seed
- perennial ryegrass seed
- annual ryegrass seed
- silage corn
- tall fescue seed
- leeks
- peppers
- pumpkins
- winter squash
- strawberries
- organic crops
These Optional Crops can be individually added to your CHIO selection. The deadline to sign-up or cancel the CHIO (or add / remove Optional Crops) is March 31.

All seeded acres of eligible crops will automatically be insured for maximum coverage under MASC Hail Insurance.
Coverage comes into effect on April 1 of the crop year immediately following the year in which the Continuous Hail Insurance Option is selected and automatically renews from crop year to crop year.
Coverage can only be cancelled if acres become non-viable and are appraised by MASC and subsequently destroyed, all in accordance with the Short Date Cancellation Table.

Premiums are based on the rates published annually by MASC.
CHIO participants automatically qualify for a two per cent hail premium discount.
CHIO participants who have maintained their CHIO coverage for more than two years will receive an additional one per cent discount each year, to a maximum of five per cent in the fifth year of continuous participation.
Insureds are also eligible for a five per cent hail premium discount if their hail premium is paid by July 31.

The Continuous Hail Insurance Option eliminates the need to apply for hail insurance each year.
Insureds are sent a Statement of Hail Insurance after their Seeded Acreage Report has been processed.
Landlords have the option to select the CHIO regardless of the coverage level selected by their tenant.