Quality Coverage

Quality is factored in when calculating yield-loss. A designated grade has been established for each crop based on a historical average grade. When the grade of your harvested production is lower than the designated grade due to an insurable peril, that production is reduced by a quality factor and is used in calculating your claim. Quality factors are determined by comparing the price of the harvested grade to the price of the designated grade. The prices used to calculate quality factors are the post‑harvest selling prices established through a survey of grain companies and processors from across Saskatchewan.

Quality is factored in when calculating yield-loss.

The Saskatchewan Crop Insurance Corporation (SCIC) provides coverage for quality losses on insured crops. Producers who think they may have a claim due to loss in quality are encouraged to contact their local Crop Insurance office and register the claim before the November 15 deadline. SCIC may conduct an inspection to determine production of the crop and obtain a sample to verify quality. Indemnities will be completed once the quality factors have been finalized. The quality factors are set in December once the majority of the crop is harvested and grain buyers establish crop prices.

How does it work?

When producers select their Crop Insurance coverage they not only have a determined production guarantee, but they also have a designated grade for the crop they are insuring. If the producer’s harvested production does not meet the production guarantee or the designated grade, a claim can be registered.

To determine the amount of compensation for quality loss, SCIC uses a formula that makes up the difference between the value of the harvested production and the value of the designated grade for the insured crop. The difference is known as a quality factor and this factor is applied to the harvested production to calculate the final indemnity. The quality factors SCIC uses are based on a survey of market prices across the province for all types of crops; and are set in December once the majority of the crop is harvested and grain buyers establish crop prices.

 
 

Quality Factors

Select a crop to view quality factors. 

Note:Quality factors are subject to change.

Click to view»                   Click here to view Abbreviation Glossary (PDF)» 

 

Quality Coverage Example

An example to provide a better understanding of how Quality Coverage is calculated.

Click here to view »

Submit Production Information

Producers who have harvested their crop and are near or below their production guarantee as a result of yield loss, quality loss or a combination of both, can file a post-harvest claim; however, the production information from the crop needs to be reported to SCIC before a claim can be registered.

SCIC can accept production information in a number of ways. Producers can provide the information over the phone, by contacting their local Crop Insurance office and while providing the production information from their harvested crop they can also register a post-harvest claim. Another way to file a claim is to complete and submit a production declaration. These forms are for recording the farm’s crop production information and were mailed to customers in September. Post-harvest claims can be identified on the production declaration by marking the check box at the bottom of the form.

CropConnect is the other option for providing production information and registering a post-harvest claim. Producers can use this online tool for recording the crop’s production information. If the harvested production entered in CropConnect is below the producer’s guarantee a notice will appear and the producer can decide if they want to proceed with filing a post-harvest claim.

No matter what option the producer chooses, their production information should be provided as soon as possible to SCIC. Producers are encouraged to register their claim immediately after harvesting the crop; however, November 15 is the deadline to register a post-harvest claim. Claims received after this may be subject to a 25 per cent reduction in payment, to a maximum of $1,000; claims made after December 31 will not be accepted.