Crop insurance in Canada

Get reliable crop insurance coverage tailored for you by BrokerLink.

Farming is unpredictable by nature, and even with the best planning, the weather doesn’t always cooperate. That’s where crop insurance comes in. Crop insurance helps farmers protect themselves from the financial hit they could take if their crops are wiped out by something beyond their control, such as a drought, flood, hailstorm, or even a pest outbreak.

[phone]

BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.

What is crop insurance in Canada?

Crop insurance in Canada is a government-supported insurance program designed to help farmers manage the risks of crop production losses due to natural perils like:

Drought
Excess moisture
Flooding
Hail
Frost
Disease
Insect infestations

It is administered provincially under AgriInsurance, also referred to as Production Insurance (PI), which is part of the business risk management programs under the Growing Forward and Canadian Agricultural Partnership frameworks.

Who we help

BrokerLink makes crop insurance simple, with coverage tailored to farms of every size and type. Let us help you protect your harvest so you can stay focused on growing it.

In Canada, any farmer growing crops can benefit from crop insurance, but it’s especially important for those who rely heavily on their annual harvest for income, such as:

Organic farmers
Commercial farmers
Specialty crop farmers
Fruit and vegetable producers
Grain, oilseed and pulse growers
Farmers in regions prone to droughts, flooding, or hail

Why you need crop insurance

In Canada, crop insurance is designed to give agricultural producers peace of mind during a growing season that can be anything but predictable.

If something goes wrong, like a hailstorm, drought, flood, or pest infestation, and your yield is lower than expected, crop insurance can step in to help cover the loss. In many provinces, it can also protect you if the quality of your crop takes a hit. So if your wheat, for example, is downgraded because of excess moisture, you may still get support. Several provincial crop insurance programs run by crown corporations (e.g., Agricorp, AFSC, SCIC, etc.) offer this type of coverage, paying an indemnity when crop quality drops because of an insured peril.

Crop insurance can even provide support if an insured peril stops you from reaching harvest altogether, or if you face production shortfalls and sudden drops in commodity prices. For additional coverage that can help protect your whole farm instead of just your crop, ask a BrokerLink broker about our agriculture and farm insurance packages.

Types of coverage

Running a farm means your livelihood is tied to the land, the weather, and the markets, all of which you can’t fully control. Here’s what we recommend for a strong crop insurance package:

This is the main part of most crop insurance packages in Canada. It can help cover yield losses caused by insured perils like drought, excessive rain, frost, flood, hail, or plant disease.

Hail is one of the most unpredictable and damaging risks for Canadian farmers, especially in the Prairies. This stand-alone or supplemental coverage can help protect your crops against hail damage right up to harvest.

This coverage goes beyond yield loss, protecting against both production shortfalls and unexpected drops in commodity prices. It can be especially helpful when the global markets fluctuate.

Sometimes, an insured peril prevents you from even reaching harvest. This coverage helps reimburse the cost of inputs like seed, fertilizer, and pesticides.

Accidents can happen anytime visitors, suppliers, or contractors come onto your property. This coverage helps protect you if you’re found legally responsible for third-party bodily injury or property damage.

Once your crop leaves the field, it’s still at risk. This coverage protects your goods while they’re being transported to buyers, processors, or storage facilities.

This is the main part of most crop insurance packages in Canada. It can help cover yield losses caused by insured perils like drought, excessive rain, frost, flood, hail, or plant disease.

This coverage goes beyond yield loss, protecting against both production shortfalls and unexpected drops in commodity prices. It can be especially helpful when the global markets fluctuate.

Sometimes, an insured peril prevents you from even reaching harvest. This coverage helps reimburse the cost of inputs like seed, fertilizer, and pesticides.

Once your crop leaves the field, it’s still at risk. This coverage protects your goods while they’re being transported to buyers, processors, or storage facilities.

Let us be your resource for all things business insurance

[phone]

Why choose BrokerLink for your commercial insurance needs?

Discover what sets BrokerLink apart. Our commitment to personalized service, expert advice, and comprehensive coverage options ensures you get the best protection tailored to your needs.

Our reviews

22158+ Reviews

Average rating of 4.6

Greg Silver

Excellent service, rates and customer service. Highly recommended.
Andy Rohansingh

Very easy to do business with this company. They handle all of my past, current and will be doing my future vehicles also. They listen and get you the insurance that you want and need.
Ian Roome

I've always had a great experience with their agents/brokers when I've had questions about my policy. Agents are always polite, professional and able to answer my questions.
Clara Furlano

Honestly, they have the best advisors. Ones who take their time to understand your insurance needs.
Joyce Kivuyo-Kisamo

I have been with BrokerLink for over 5 years and have never been disappointed; my issues have been always solved promptly and efficiently, they even found me a cheaper motor insurance with same qualit...
Terry Mason

I find Brokerlink to be better priced than most of their competitors. I have received good, prompt advise and always deal with a live agent.
Sandi G

Excellent, hands-on, personable service. I feel like I haven't had a broker like this, in a long time
DANI L

The best client experience!!! Honest, genuine, professional. They explain AND LISTEN! Trust no one else ❤️

Our numbers speak for themselves

How is crop insurance coverage calculated?

Before planting season starts, farmers sign up through their province’s crop insurance provider. They choose what crops to insure and how much coverage they want. Your premium is then shaped by a mix of factors, including:

Where your farm is located

Different regions face different risks. A farm in southern Alberta might be more prone to drought or hail, while one in Manitoba may face higher flood risks.

Your past yields

Insurance providers generally look at your historical harvests to help predict your potential losses.

Current market prices

Coverage is often influenced by the going rate for your crops in your area, since payouts are tied to market value.

Coverage level

Higher coverage typically means a higher premium, but it also means more protection if things go wrong.

Government support

In many provinces, farmers only pay about 40% of the premium, with federal and provincial governments covering the rest.

If you want a more accurate idea of what your coverage could look like, reach out to a local crop insurance broker today for a personalized crop insurance quote.

If a farmer’s yield drops or the quality of their harvest is affected by these kinds of natural risks, crop insurance can help cover the losses. In some cases, it can even help when market prices drop unexpectedly. It’s a way to keep farms running and food production steady, even in tough years.

As reported by Reuters, between 2021 and 2024, crop insurance claims in Alberta and Saskatchewan shot up, about seven times higher than in the previous four years. That massive jump really shows just how important crop insurance has become for Canadian farmers. With unpredictable weather and more frequent tough growing seasons, having that kind of protection is more important than ever.

Who provides crop insurance in Canada?

Each province manages its own crop insurance program through government-run agencies or departments responsible for delivering AgriInsurance under the federal-provincial framework:

Province	Agency or Department
Alberta	Agriculture Financial Services Corporation (AFSC)
British Columbia	BC Ministry of Agriculture and Food
Manitoba	Manitoba Agricultural Services Corporation (MASC)
New Brunswick	New Brunswick Agricultural Insurance Commission
Newfoundland & Labrador	Department of Fisheries, Forestry and Agriculture
Nova Scotia	Nova Scotia Crop and Livestock Insurance Commission
Ontario	Agricorp
Prince Edward Island	PEI Agricultural Insurance Corporation
Quebec	La Financière agricole du Québec (FADQ)
Saskatchewan	Saskatchewan Crop Insurance Corporation (SCIC)
Yukon, Northwest Territories, Nunavut	These regions typically do not have stand-alone crop insurance programs due to limited large-scale agriculture. However, producers may be eligible for other federal risk management programs through Agriculture and Agri-Food Canada (AAFC).

How to file a crop insurance claim

According to Statistics Canada, in 2023, total direct payments to farmers dropped by 13.4%, bringing the total to $6.4 billion compared to the year before. Even with that dip, crop insurance payouts were still higher than the five-year average, indicating that Canadian farmers are still facing plenty of challenges.

If you think you might qualify for a claim, the first step is to get in touch with your crop insurance provider. The process can vary depending on what kind of claim you’re making, but generally, an insurance adjuster will come out to inspect your land and gather details.

They might check things like:

Plant counts
How many acres were affected
What caused the loss
Grain samples
Bin measurements
Sales receipts

The adjuster will walk you through everything, answer your questions, and explain what they found. If you agree with the results, you’ll sign the claim form to move things forward.

If you don’t agree, just let them know. In that case, your province’s crop insurance agency may send out another adjuster for a second opinion.

Protect your crops today with BrokerLink

At BrokerLink, we’re here to help you with any insurance needs you may have. Whether it’s insuring your home, car, business, recreational items, crops, or pets, let us help you find the best coverage possible.

You can reach us by phone, email, or in person at any one of our locations throughout Canada. No matter how you choose to get in touch, a BrokerLink insurance advisor will be happy to assist you. We also encourage you to take advantage of our free online quote tool that can provide you with a competitive quote in minutes.

[phone]

Visit a branch

Resources

Check out our wide range of resources, offering valuable information and tools, all in one convenient place.

Check out blog

Service and claims

Visit a branch

About us

Vehicle Insurance

Property Insurance

Other Insurance

Crop insurance in Canada

What is crop insurance in Canada?

Who we help

Who needs crop insurance in Canada?

Why you need crop insurance

Types of coverage

Multi-peril insurance

Hail insurance

Revenue protection insurance

Production cost insurance

Commercial general liability insurance

Cargo or transit insurance

Multi-peril insurance

Hail insurance

Revenue protection insurance

Production cost insurance

Commercial general liability insurance

Cargo or transit insurance

Why choose BrokerLink for your commercial insurance needs?

Our reviews

Greg Silver

Andy Rohansingh

Ian Roome

Clara Furlano

Joyce Kivuyo-Kisamo

Terry Mason

Sandi G

DANI L

Our numbers speak for themselves

How is crop insurance coverage calculated?

Where your farm is located

Your past yields

Current market prices

Coverage level

Government support

Who provides crop insurance in Canada?

How to file a crop insurance claim

Protect your crops today with BrokerLink

Resources

Other products