Page 67 - Grapevine JanFeb 2022
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Around The Vineyard
Around The Vineyard
insurance agents sell for these 13 different insur- average, if the grapes have just become insurable
ance providers. They may specialize in crop insur- then a Transitional Yield (based on the county and
ance or other lines of insurance. It is always best variety) is used in place of any missing years. A
to work with an experienced agent that has crop maximum of 10 years can be used to determine
insurance as their main focus. the average if a vineyard has been in production
for that amount time. Basically, you are insuring an
Grape crop insurance is available in the following average of your tons per acre per variety.
states; Arkansas, California, Colorado, Connecticut,
Idaho, Maryland, Massachusetts, Michigan, With crop insurance you cannot cover 100% of
Minnesota, Mississippi, Missouri, Nebraska, New your average production. You can choose coverage
Jersey, New York, North Carolina, Ohio, Oregon, levels from 50% to 85%. There is a built-in produc-
Pennsylvania, Rhode Island, Texas, Virginia and tion deductible. Coverage levels are in 5% incre-
Washington. Crop insurance is not available for ments. Coverage levels are relative to premium,
grapes in all counties though. Insurable varieties the lower the coverage the lower the premium, the
are also different between states and counties. As more coverage you buy the higher the premium.
I mentioned before prices are different between It comes back to how much risk you feel safe with.
states and counties as well. The USDA price for a You can also For example, if you have Cabernet
ton of Pinot Noir in Oregon is different than a ton Sauvignon in California and your average is 5 tons
of Pinot Noir in New York. per acre. At the 75% coverage level you would be
covered for 3.75 tons per acre. You would have a
Grapes are insured under an Actual Production 25% deductible (1.25 tons per acre). To have a pay-
History (APH) plan of insurance. An average of the able loss you would have to lose more than 25% of
vineyard’s production per variety is used. Grapes your average production.
need to be in their 4th growing season to be insur-
able. A minimum of 4 years is needed to do the The Causes of Loss per the policy are; 1. Adverse
CONTACT US TODAY FOR ALL OF
YOUR VINEYARD EQUIPMENT NEEDS
clint@kci-mfg.com
1.800.300.2220
BERM MANAGEMENT SOLUTIONS
40190 Rd 36 Vine Trimmers & Prepruners
Kingsburg CA 93631-9621 Berm Sweeps - Berm Tillers - Berm Mowers
Phone 559.897.3662
Gypsum and Compost Spreaders
www.kci-mfg.com
877-892-5332 The Grapevine • January - February 2022 Page 65
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