Forage Rainfall Insurance Program

Pastureland production depends upon timely precipitation and is vulnerable to losses from accidental fire.

The Forage Rainfall Insurance Program (FRIP) is available on native and tame grazing acres, protecting pastureland in the event that seasonal precipitation is below the long-term average. This is the only insurance program available for native forage.

Fire insurance is also provided within the Forage Rainfall Insurance Program.

To Enrol

There is no limit to the number of acres you may insure, but a minimum of 10 acres per legal land description is required. The deadline to apply for, reinstate, cancel or make changes to your FRIP endorsement is March 31. Your contract is continuous and unless you make changes to your endorsement by March 31, your insurance remains the same from year to year.

Fire coverage is in effect year around from April 1 to March 31.

Weather-Based Programs Terms & Conditions

The Forage Rainfall Insurance Program and the Corn Heat Unit Program were introduced to provide producers with options to tailor their coverage to their operation and expand on limited coverage options for non-traditional crops.

Click here to view the Terms & Conditions»

Premium

FRIP premiums are cost-shared. Producers will pay 40 per cent while governments pay 60 per cent. Experience discounts and surcharges do not apply. Premium rates are calculated using weather station historical precipitation data, the weighting option, precipitation cap that you select. The risk of accidental fire is also included in the rate.

Forage Rainfall Insurance Program Coverage

For each land location you wish to insure you must select the following:

  • Weather station
  • Weighting option
  • Precipitation cap

Coverage levels follow three soil zones along township boundaries. Your soil zone where your land is located, not the weather station you select, determines your coverage per acre.

 

Forage Rainfall Insurance Program Coverages

This map outlines the dollar per acre coverages by Saskatchewan soil zone.
Click here to view map »
 

Eligible Weather Stations

The weather station you select must be within 100 kilometres of your land location.
Click here to view map »

You must also select the weighting option for each land location insured. This allows you to weight the April to July precipitation to best suit the growing season of your specific forage variety and your management plans for grazing your pasture.

Finally, select a precipitation cap of either 125 or 150 per cent of normal for each land location you insure; any precipitation above this selected cap in any month will not be included in the claim calculation.

Monthly Precipitation Weighting Options
AprilMayJuneJulyTotal
Option 130%30%30%10%100%
Option 210%40%40%10%100%
Option 310%30%30%30%100%
Option 420%40%40%100%

Claims

There are two perils that can trigger a claim, independently from one another: 

  • Rainfall
  • Fire
Rainfall Claim

A rainfall claim is triggered when the precipitation at your selected weather station is below 80 per cent of normal. For each percentage point below that 80 per cent, 2.5 per cent of liability will be paid.

  • The rainfall indemnity calculation is based on your selected monthly precipitation weighting and your selected precipitation cap.
  • Quality control measures include verification of all weather station data by a third party (independent of SCIC) using procedures approved by an accredited meteorologist.
  • Precipitation includes all rainfall and snowfall amounts.
  • Only verified data is used in claim calculations.
  • Rainfall claims do not have to be filed; they are automatically calculated in August based strictly upon weather station data. Verified monthly precipitation amounts will be available at www.saskcropinsurance.com and your customer service office.
  • Precipitation determined for the selected weather station is the only means of determining a rainfall claim.
  • Claims are not tied to individual yields or the amount of precipitation on individual parcels of land.

Rainfall Claim Calculation Example

These examples use identical precipitation data to demonstrate the impact the monthly weighting and precipitation cap selection has on your FRIP coverage.
Click here to view >
Fire Claim

A fire claim requires an inspection to assess the damaged acres.

  • An eligible fire claim will trigger a payment equal to the full insured value per acre. A minimum of one acre must be damaged to be eligible for payment. 
  • The combined value of a rainfall claim and fire claim cannot exceed the maximum insured value per acre.
    For example, if an acre is fire damaged, the maximum value will be paid. Lack of rainfall will not trigger an additional payment.
 

Fire Claim Calculation Example

This example is to demonstrate how a fire claim is calculated.
Click here to view »

"What-if" Calculator

Forage Rainfall Program


For calculation scenarios, please go to the FRIP premium and coverage “what if” calculator or contact your customer service office.

Click here to access the online "What-if" Calculator »