Cranberry

Cranberries are insurable if:

• You have a share in the crop;
• They are grown for harvest as cranberries;
• They are grown in a bog that, if inspected, is considered acceptable; and
• They are grown on vines that have completed 3 growing seasons after set out or renovation, unless provided otherwise by written agreement.

You are protected against the following:

• Adverse weather conditions including hail, frost, freeze, wind, extreme cold temperatures, and excess moisture;
• Earthquake;
• Failure of the irrigation water supply, if caused by an insured peril that occurs during the insurance period;
• Failure or breakdown of irrigation equipment facilities due to direct damage to the irrigation equipment or facilities from an insurable cause of loss if the cranberry crop is damaged by freezing temperatures within 72 hours of such failure or breakdown and repair or replacement was not possible before damage occurred;
• Fire, unless weeds and other forms of undergrowth have not been controlled or pruning debris has not been removed from the bog;
• Volcanic eruption; or
• Wildlife.

Losses are not insurable if due to:

• Disease or insect infestation, unless adverse weather prevents the proper application of control measures or causes properly applied control measures to be ineffective;
• Adverse weather causes disease or insect infestation for which no effective control mechanism is available; or
• Inability to market the cranberries for any reason other than actual physical damage from an insurable cause of loss specified.

No indemnity is paid if you are unable to market due to quarantine, boycott, or refusal of any person to accept production.

Assume a 40 barrel yield (short crop claim), 65 percent coverage level, 100 percent price election of $55 per barrel (price election), an average yield of 100 barrels per acre, a one acre bog, and 100 percent share.