Can anyone tell me what happens when....???

[AlbertaFarmer5]

Here are some actual numbers from AFSC.

I do not carry crop insurance, because I cannot see any way to get my money back with these numbers:

80% coverage on canola for my area, including Hail endorsement, and spring price protection would be $48.27. for max liability of $320.73. And the 80% yield would be 30 bushels, even in the worst hail, drought, flood, frost, snow years, we have never been that low.

CPS $47.42 for $374 liability

Barley 25.79 for $218.88 liability.

It would get better with experience as we would build our yield up, but would have to spend a lot of money to get there. Money better spent on improvements so we can avoid many of those problems.


The theory that crop insurance is 2/3 paid for by government just doesn't seem to trickle down to the producer. By AFSC's own numbers, they paid out 37% of the total premiums collected last year. So if farmers paid 33.3% of the premiums, that means administration ate up 63% of the premiums(or it went into reserves?) And farmers got 10% more back than they put in, which isn't a bad ROI, but I can't seem to find anyone who has accomplished that positive ROI.

[the big wheel]

What would be your premiums without the tax payer funded subsidies? What would your position be without crop insurance at all? Would it change the way you farmed? Would so many farmers still go nuts into debt if there were no risk management programs?

Those numbers don’t add up here that anyone is subsidizing us. More money is going from crop insurance into general revenues than any so called bullshit subsidy.

Without cropninsursnce wouldn’t be much worse off as it is because on youryears wirhout claims the premium is major expense.
Your speaking like all the other politicians that try to justify to the brainless why the program isn’t improved. Your implying we all spend foolishly because of the crapinsurance we have? Lmao hahahahaha it doesn’t pay the basic expenses of keeping your farm going. If you have 2 or 3 wipeouts it becomes an absolute joke. They need to find a way to not penalize you for a large drought or flood or early frost like it does.
It may work for people that have had 10 years of bumper crops and then have a loss but If you had that you wouldn’t need cropninsursnce year 11. Just like agristability it’s rhere for people that don’t need it. Everyone else it pays some and for many pays next to nothing. Make work project.

How many jobs depend on us farmers no matter who is farming?

[helmsdale]

What would be your premiums without the tax payer funded subsidies? What would your position be without crop insurance at all? Would it change the way you farmed? Would so many farmers still go nuts into debt if there were no risk management programs?

Premiums would be double so they tell me.

Position without? It's basically like farming without on wheat and durum anyway... need sub 15bu before you see new money anyway.

Would it change the way I farm? Doubtful... costs are trimmed to bare bones as is.

Would so many still go into debt? The heroes around here are all in some with it, many without.

My beef with crop insurance is that it's been allowed to be farmed so hard around here the area average is pitiful for those that actually intend to grow a crop to put in the bin.

[tweety]

Those numbers don’t add up here that anyone is subsidizing us. More money is going from crop insurance into general revenues than any so called bullshit subsidy.

Without cropninsursnce wouldn’t be much worse off as it is because on youryears wirhout claims the premium is major expense.
Your speaking like all the other politicians that try to justify to the brainless why the program isn’t improved. Your implying we all spend foolishly because of the crapinsurance we have? Lmao hahahahaha it doesn’t pay the basic expenses of keeping your farm going. If you have 2 or 3 wipeouts it becomes an absolute joke. They need to find a way to not penalize you for a large drought or flood or early frost like it does.
It may work for people that have had 10 years of bumper crops and then have a loss but If you had that you wouldn’t need cropninsursnce year 11. Just like agristability it’s rhere for people that don’t need it. Everyone else it pays some and for many pays next to nothing. Make work project.

How many jobs depend on us farmers no matter who is farming?

Well in Ab its subsidized around 50 - 75% of actual cost. I'm sure someone knows how much in SK.

They have a way to compensate you for that flood, drought, frost - its called crop insurance.

You're mostly saying you expect a guaranteed income - you need "an improved program" - ie you want more tax payer paid money and subsidies even though you probably are worth millions. If every farmer is in the same boat, why is that a problem? Doesn't the free and open market compensate?

[TASFarms]

Doesn’t the sask govt just put in an I owe you to crop insurance and doesn’t ever pay their share.

[Guest]

[QUOTE=tweety;417028]Well in Ab its subsidized around 50 - 75% of actual cost. I'm sure someone knows how much in SK.


well then how comes Sask govt owes scic in excess of $1.5 billion
yea this horseshit sounds good , but thats all it is , I'm sick of hearing it
check it out , free info for anyone
easy to talk , but obviously there is more than enough in premiums to play bank to Sask govt also

[the big wheel]

Well in Ab its subsidized around 50 - 75% of actual cost. I'm sure someone knows how much in SK.

They have a way to compensate you for that flood, drought, frost - its called crop insurance.

You're mostly saying you expect a guaranteed income - you need "an improved program" - ie you want more tax payer paid money and subsidies even though you probably are worth millions. If every farmer is in the same boat, why is that a problem? Doesn't the free and open market compensate?

Your obviously only picking wild numbers you want to make some sort of argument.
No point responding more you seem to just want to argue not accept facts. The facts are all there how many farms are in trouble. If you’ve had perfect weather your fine but If not the program just isn’t providing enough especially for those with multi year disaster. Then it just becomes a bad cycle you have no coverage and yet you have to have something so you pay the high premium likely not collecting anything or very little
Until you have a run of good years. But by then the high premium hurts your farm even more so.
Nobody is talking about a big windfall if you loose your crop. There was someone earlier gave you numbers of what a start out farmer was offered for coverage that was laughable except it isn’t because it’s garbage you’d be done before you started if you had a wipeout in year one.

Same for agristability because it’s the same stupid formula for averages. Let’s include the value of a no crop in your insured value.
If I went to sgi and said what’s my new car insured for and they said well you know. It’s like this we re going to average rhe value of your last 5 cars even the totaled off ones to get what you can insure your new one. There d be a lot of black eyes behind the counters of those offices. Lol

[jazz]

What would be your premiums without the tax payer funded subsidies? What would your position be without crop insurance at all? Would it change the way you farmed? Would so many farmers still go nuts into debt if there were no risk management programs?

Well what would the education and health care system look like without farmland property tax income.

Think you got the subsidies backwards.

How did crop insurance get a $500M slush fund built up? Don't know of any other govt program with a surplus sitting there. Looks like farmer paid premiums.

[MBgrower]

What would be your premiums without the tax payer funded subsidies? What would your position be without crop insurance at all? Would it change the way you farmed? Would so many farmers still go nuts into debt if there were no risk management programs?

most farmers i know dont need it, lots of equity. I d still give er all the juice.

[macdon02]

Anytime a govt subsidy is involved, the first question is what has the govt promised the employees? They negotiate on the customers behalf and the unions are working for the employees. If nurses get 4% raise does anyone think scic is getting less because canola goes down? Pension obligations are an absolute cluster ****, the obligations haven't maxed out yet as the baby boomer generation isn't dead yet and ive yet to see a govt department reduce staff. And pension funds.... due to regulation put in place in '08 are committed to losses buying govt debt.
It's an epic **** up that'll result in disappointment. So if a subsidy is an empty promise, call it whatever you want. It isn't getting paid by anyone.