Manitoba Regulation 95/2026, the AgriInsurance Regulation, establishes the production insurance program administered by the Manitoba Agricultural Services Corporation (MASC) for the 2026 crop year. The regulation operates under The Manitoba Agricultural Services Corporation Act repeals Manitoba Regulation 89/2025 and establishes the rules governing eligibility, insured crops, designated risks, coverage levels, premiums, claims, indemnities and related insurance options.

AgriInsurance provides coverage for losses or damage beyond an insured person’s control resulting from specified perils. These include big game, disease, drought, excessive heat, excessive moisture, excessive rainfall, fire, flood, frost, hail, pests, waterfowl, wind and winterkill. For excess moisture insurance, only excessive moisture, excessive rainfall and flood qualify as designated perils. Coverage can also apply to unseeded land affected by excess moisture, eligible forage establishment crops, polycrop establishment crops, and strawberry or saskatoon plants during establishment.

Eligibility generally requires an applicant to be a qualified person, at least 18 years old and, in MASC’s opinion, legally, operationally and financially independent of other farming operations. Special eligibility requirements apply to vegetable acreage loss insurance and pasture days insurance. A person seeking insurance must submit the appropriate application by the applicable deadline. Once accepted, the insurance contract becomes binding at the beginning of the relevant crop year and automatically renews from year to year until terminated or cancelled. MASC may impose conditions, including cooperation requirements, pre-harvest appraisals and advance payment of estimated premiums or administrative costs.

The regulation designates a broad range of insurable crops, including grains, oilseeds, pulses, potatoes, vegetables, forage crops, hay and specialty crops. Guaranteed grades vary by crop and can include specific Canadian grades, germination rates, protein levels or marketable production. MASC approves eligible varieties and insurance areas annually. Some crops are subject to specialized insurance arrangements, while Crop Coverage Plus is unavailable for specified vegetables, hay, organic crops and silage corn. The contract price option is available for most insurable crops, subject to listed exclusions.

Standard coverage levels are 50%, 70% and 80% for most insurable crops, while select hay has 70% and 80% levels and basic hay has an 80% level. Additional programs include pasture coverage, pasture days insurance, the harvest flood option, improved quality coverage, a hay disaster benefit, vegetable acreage loss insurance, small farm acreage loss pilot insurance and novel crop insurance. The hay disaster benefit can be triggered when at least 30% of producers with select or basic hay insurance have yields below 50% of probable yield.

Manitoba (95/2026) September 15, 2026
Disclaimer: Insights are for informational purposes only and does not reflect RRI’s official position or constitute legal opinion.