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Agricultural Products Insurance Act, 1996
Loi de 1996 sur l’assurance des produits agricoles

ontario REGULATION 380/97

GENERAL

Consolidation Period:  From October 29, 1997 to the e-Laws currency date.

No amendments.

This Regulation is made in English only.

Contracts of Insurance

1. In this Regulation,

“AgriCorp” includes a committee to which the board of directors of AgriCorp have, by by-law, delegated powers and duties.  O. Reg. 380/97, s. 1.

2. (1) If an agreement has been entered into under section 3 of the Act in respect of an agricultural crop or perennial plant, a landlord or sharecropper of a farm in Ontario producing the crop or plant may apply for a contract of insurance.  O. Reg. 380/97, s. 2 (1).

(2) An application for insurance shall be in a form provided by AgriCorp.  O. Reg. 380/97, s. 2 (2).

3. (1) A contract of insurance consists of,

(a) the application;

(b) the renewal notice and change notice, if any;

(c) the final acreage report or its equivalent;

(d) the terms fixed by AgriCorp under section 5 of the Act; and

(e) this Regulation.  O. Reg. 380/97, s. 3 (1).

(2) In the event of a conflict between the terms of a contract of insurance and this Regulation, this Regulation prevails.  O. Reg. 380/97, s. 3 (2).

4. (1) AgriCorp may amend the contract of insurance when renewing it.  O. Reg. 380/97, s. 4 (1).

(2) An insured person who receives notice of amendment to a contract of insurance when the contract is being renewed shall be deemed to have accepted the renewed contract, as amended, unless the person otherwise notifies AgriCorp within 15 days after receiving notice of the renewal and the amendment.  O. Reg. 380/97, s. 4 (2).

Terms

5. (1) AgriCorp may refuse to enter into or may cancel a contract of insurance with an applicant or insured person who,

(a) does not meet the necessary qualifications and requirements;

(b) misrepresents or fails to disclose material information;

(c) contravenes or fails to comply with the Act, this Regulation or a term of the contract of insurance; or

(d) owes a debt to AgriCorp.  O. Reg. 380/97, s. 5 (1).

(2) If an insured person has coverage for two or more crops and AgriCorp cancels the coverage for one or more of the crops under subsection (1), AgriCorp may also cancel coverage for the other crops.  O. Reg. 380/97, s. 5 (2).

(3) If AgriCorp cancels coverage for a crop under subsection (1) or (2), the right of the insured person to recover indemnity for that crop is forfeited.  O. Reg. 380/97, s. 5 (3).

6. If an applicant or insured person fails to submit a final acreage report or its equivalent, fails to pay the full premium owing by the time required by contract or submits an inaccurate final acreage report or its equivalent, AgriCorp may,

(a) refuse or cancel coverage on any or all of the crops applied for or insured and retain any premium deposits paid; or

(b) otherwise obtain or deem the information required for the final report or its equivalent and decrease the guaranteed production by not more than 10 per cent.  O. Reg. 380/97, s. 6.

7. A contract of insurance terminates at the end of the crop year in which the insured person dies, becomes insolvent or makes an authorized assignment in bankruptcy.  O. Reg. 380/97, s. 7.

8. AgriCorp may determine the methods for determining yield, average farm yield, insurance price, coverage and guaranteed production and the coverage options from which an insured person may choose.  O. Reg. 380/97, s. 8.

Extent of Insurance

9. A contract of insurance does not insure against,

(a) acreage not suitable for or adequately prepared for cropping purposes;

(b) negligence, misconduct or farming practices that do not meet industry standards; or

(c) a peril other than the perils fixed by AgriCorp for the insured crop under section 5 of the Act.  O. Reg. 380/97, s. 9.

10. (1) AgriCorp may from time to time determine the final date for planting or the initial date for harvesting a crop or plant in a particular area of Ontario.  O. Reg. 380/97, s. 10 (1).

(2) Planting after or harvesting before a date determined under subsection (1) shall be deemed to fall under clause 9 (b).  O. Reg. 380/97, s. 10 (2).

Sharecropping Agreements

11. (1) The parties to a sharecropping agreement providing for sharing of profits or crop are eligible to enter into a contract of insurance in respect of that crop.  O. Reg. 380/97, s. 11 (1).

(2) Premiums are payable by the parties in the same proportion that they share the profits or crop.  O. Reg. 380/97, s. 11 (2).

12. (1) A replanting benefit is payable to only the sharecropper.  O. Reg. 380/97, s. 12 (1).

(2) The landlord’s share of the premium is refundable only if the acreage is replanted to an uninsurable crop.  O. Reg. 380/97, s. 12 (2).

13. An unplanted acreage benefit is payable to only the landlord.  O. Reg. 380/97, s. 13.

Waiver or Alteration

14. No term of a contract of insurance shall be deemed to be waived or altered by AgriCorp unless the waiver or alteration is given in writing.  O. Reg. 380/97, s. 14.

15. An insured person may not amend the acreage declared on a final acreage report or its equivalent without the consent of AgriCorp.  O. Reg. 380/97, s. 15.

16. No premium is refundable if the actual planted acreage is less than the planted acreage declared on the final acreage report or its equivalent.  O. Reg. 380/97, s. 16.

17. AgriCorp may amend the average farm yield of an applicant or insured person to reflect a change in farming practices or in the land base of the applicant or insured person.  O. Reg. 380/97, s. 17.

Assignment

18. Upon the written consent of AgriCorp, an insured person may assign all or part of the insured person’s right to indemnity under a contract of insurance for a crop year in respect of an insured crop or plant.  O. Reg. 380/97, s. 18.

Notice of Damage

19. If loss or damage to an insured crop occurs, the insured person shall not abandon, destroy or replant the acreage or use it for another purpose without the prior consent of AgriCorp.  O. Reg. 380/97, s. 19.

20. If damage to an insured crop occurs at a readily ascertainable time, the insured person shall notify AgriCorp within five days after the time or within such shorter period as AgriCorp may determine for a particular insured crop or plant.  O. Reg. 380/97, s. 20.

21. If damage to an insured crop occurs at any time after planting and before the completion of harvesting and it appears or ought reasonably to appear to an insured person that production may be reduced, the insured person shall notify AgriCorp forthwith.  O. Reg. 380/97, s. 21.

22. If the actual production is less than the guaranteed production, the insured person shall notify AgriCorp within five days after the completion of harvesting.  O. Reg. 380/97, s. 22.

Claims

23. A claim for indemnity shall be made on a proof of loss form provided by AgriCorp and shall be filed with AgriCorp not later than 60 days after the insured crop was abandoned, destroyed, replanted or harvested.  O. Reg. 380/97, s. 23.

24. AgriCorp may determine how claims will be adjusted.  O. Reg. 380/97, s. 24.

25. The amount of indemnity shall be determined separately for each insured crop.  O. Reg. 380/97, s. 25.

26. No indemnity shall be paid in respect of an insured crop unless the claimant establishes,

(a) the actual production from the crop; and

(b) that the loss in production resulted from one or more of the perils fixed by AgriCorp for the insured crop under section 5 of the Act.  O. Reg. 380/97, s. 26.

27. AgriCorp may refuse to pay indemnity for loss or damage occurring before,

(a) an application is made;

(b) the final acreage report or its equivalent is submitted; and

(c) the full premium is paid.  O. Reg. 380/97, s. 27.

Payment of Claims

28. A payment of indemnity becomes due 60 days after receipt by AgriCorp of the proof of loss form or other necessary information or decision of the Crop Insurance Appeal Board, as the case may be.  O. Reg. 380/97, s. 28.

Subrogation

29. If AgriCorp pays a claim under a contract of insurance, it is subrogated to the rights of recovery of the insured person against any person and may bring action in its name or in the name of the insured person to enforce those rights.  O. Reg. 380/97, s. 29.

Notice

30. (1) Any written document may be delivered to AgriCorp or sent by mail or electronic transmission.  O. Reg. 380/97, s. 30 (1).

(2) Any written document may be delivered to an applicant for insurance or insured person by personal service or sent by mail or electronic transmission to the person’s last known address on file with AgriCorp.  O. Reg. 380/97, s. 30 (2).

(3) Mailed notice shall be deemed to be received seven days after it is mailed.  O. Reg. 380/97, s. 30 (3).