Commodity Insurance

Crop Insured

Nursery crop insurance is available in all states to all persons operating nurseries that meet certain criteria. Insurance coverage applies, by practice (field-grown or container), to all of your nursery plants in a county that:

  • Are on the Eligible Plant List;
  • Are grown in a nursery that receives at least 50 percent of its gross income from the wholesale marketing of nursery plants;
  • Meet all the requirements for insurability; and
  • Are grown in an appropriate medium.

Nursery plants may not be insured if they:

  • Are grown in containers containing two or more different genera, species, subspecies, varieties, or cultivars;
  • Are grown for sale as Christmas trees;
  • Are grown as stock plants; or
  • Are grown solely for harvest of buds, flowers, or greenery.

Plants producing edible fruits and nuts can be insured if the plants are available for sale. Harvesting the edible fruit or nuts does not affect insurability. Your nursery must be inspected and approved as acceptable before insurance coverage can begin.

Causes of Loss

You are protected against the following:

  • Adverse weather conditions, including wind, hurricane and freeze. If cold protection is required by the Eligible Plant List, adequate and operational cold protection measures must be in place;
  • Failure of irrigation water supply, if due to an insurable cause of loss, such as drought;
  • Fire, provided weeds and undergrowth are controlled; and
  • Wildlife.

Plant damage or losses in value as a result of the following situations are not covered:

  • Collapse or failure of buildings/structures, unless caused by an insurable cause of loss;
  • Disease or insect infestation, unless effective control measures for the infestation do not exist;
  • Failure of plants to grow to an expected size;
  • Inadequate power supply, unless such inadequacy is a result of an insurable cause of loss; and
  • Inability to market nursery products due to a stop sales order, quarantine, boycott, phytosanitary restriction on sales, or buyer refusal.
Important Dates
Sales Closing/Cancellation ……..………. May 1
Contract Change Date ……………… January 31
Insurance Period Begins ………………… June 1
Coverage Levels and Premium Subsidies

Coverage levels range from 50 to 75 percent of your plant inventory value. Crop insurance premiums are subsidized as shown in the following table.

Item Percent
Coverage Level
50 55 60 65 70 75
Premium Subsidy
67 64 64 59 59 55
Your Premium Share
33 36 36 41 41 45
For example, if you selected the 75 percent coverage level, your premium share would be 45 percent of the base premium. The catastrophic coverage level is fixed at 27.5 percent of your plant inventory value. The only cost for the catastrophic coverage level is an administrative fee of $300.

Amount of Insurance - The result of multiplying the full value of all insurable plants in each basic unit by the selected coverage level percentage, multiplied by your share.

Amount of Insurance Example:
$100,000 Plant inventory value
x 0.65 Chosen coverage level percentage
x 1.00 Producer share
$65,000 Unit amount of insurance

Container-Grown Plants - Nursery plants planted and grown in standard nursery containers either above ground or placed in the ground [directly or when placed in another pot in the ground (pot-in-pot)].

Crop Inventory Valuation Report - A plant inventory list created in the Nursery Inventory Software for assisting in establishing the insurable nursery plant inventory value. The Nursery Inventory Software is available.

Eligible Plant List - A list that includes botanical and common names of insurable plants, winter protection requirements for container-grown material and areas in which they apply, hardiness zone in which field grown material is insurable, designated hardiness zone for each county, and unit classification for each plant. You may receive a list by sending a request to or from your crop insurance agent.

Field-Grown Plants - Nursery plants planted and grown in the ground without the use of an artificial root containment device.

Liners - Plants produced in standard nursery containers that are equal to or greater than 5/8 inch in diameter (including trays containing 200 or fewer individual cells), but less than 3 inches in diameter at the widest point of the container or cell interior, have an established root system, and are able to maintain a firm root ball when lifted from the containers.

Nursery - A business enterprise that grows nursery plants and receives at least 50 percent of its gross income from wholesale marketing of such plants.

Stock Plants - Plants used only for propagation during the insurance period or plants grown only for harvest of buds, flowers, or greenery. Stock plants cannot be insured.

Duties in the Event of Damage or Loss
Notify your agent within 72 hours (3 days) of your initial discovery of damage and submit a claim for indemnity no later than 60 days after the end of the insurance period.
Plant Inventory Value Report (PIVR)

The PIVR is used to declare the value of your insurable plants. A PIVR for each insured practice is required. Two copies of your most recent wholesale catalog or price list must accompany your PIVR unless the catalogs or price lists are submitted electronically. If catalogs are submitted electronically they must be in PDF format and suitable for printing.

Wholesale catalogs must:

  • Be typewritten and legible;
  • Show an issue date on the cover page (may be handwritten);
  • Contain name, address, and telephone number of nursery;
  • Be provided to customers and used in the sale of your plants; and
  • List each plant name, plant or container sizes, and wholesale price.

Your PIVR must also be accompanied by a crop inventory valuation report or physical plant inventory and price documentation.

Peak Inventory Endorsement
For increased coverage during certain peak periods when your inventory value may be significantly higher than your annual plant inventory value, you may consider the additional insurance coverage provided by a Peak Inventory Endorsement (not available with the catastrophic coverage level). Contact your crop insurance agent for more details.
Rehabilitation Endorsement
This endorsement is an addition to the basic policy and provides reimbursement for your expenditures on labor and material for pruning and setup (righting, propping, and staking) of field-grown plants that are damaged by an insured cause of loss and have a reasonable expectation of recovery. The Rehabilitation Endorsement is not available with the catastrophic coverage level. Contact your crop insurance agent for more details.
Pilot Nursery Growers Price Endorsement

The Pilot Nursery Grower’s Price Endorsement, available in 19 states, is an addition to the basic policy that insures specific plants at prices higher than those shown on the Eligible Plant List.

You must buy this at the time you apply for coverage or, on or before the sales closing date. Contact your crop insurance agent for more details

Loss Example
$100,000 Plant Inventory Value
0.65 Coverage level percentage
$65,000 Unit amount of insurance
$100,000 Field market value before loss
$50,000 Field market value after loss
$50,000 Value of Loss
$35,000 Deductible
$15,000 Indemnity

The deductible shown above is (1 - coverage level) X inventory = (1 –0.65) X $100,000 = $35,000

Where to Buy Crop Insurance
All multi-peril crop insurance, including CAT policies, are available from private crop insurance agents. A list of crop insurance agents is available at all USDA service centers and on the RMA website at Agent Locator.
This fact sheet gives only a general overview of the crop insurance program and is not a complete policy. For further information and an evaluation of your risk management needs, contact a crop insurance agent
The U.S. Department of Agriculture (USDA) prohibits discrimination in all its programs and activities on the basis of race, color, national origin, age, disability, and where applicable, sex, marital status, familial status, parental status, religion, sexual orientation, genetic information, political beliefs, reprisal, or because all or a part of an individual’s income is derived from any public assistance program. (Not all prohibited bases apply to all programs.) Persons with disabilities who require alternative means for communication of program information (Braille, large print, audiotape, etc.) should contact USDA’s TARGET Center at 202-720-2600 (voice and TDD). To file a complaint of discrimination, complete, sign and mail a program discrimination complaint form, (available at any USDA office location or online at, to: United States Department of Agriculture; Office of the Assistant Secretary for Civil Rights; 1400 Independence Ave., SW; Washington, DC 20250-9410. Or call toll free at (866) 632- 9992 (voice) to obtain additional information, the appropriate office or to request documents. Individuals who are deaf, hard of hearing, or have speech disabilities may contact USDA through the Federal Relay service at (800) 877-8339 or (800) 845-6136.