Causes of Loss
Adverse weather conditions 1
Failure of irrigation water supply 2
Failure/breakdown of irrigation equipment or facilities 3
Fire 4
Insects 5
Plant disease 5
Wildlife

1 Including hail, frost, freeze, drought, and excess precipitation.
2 If caused by an insured cause of loss.
3 If due to direct damage from an insurable peril and the crop is damaged by freezing temperatures within 72 hours of such failure and repair or replacement was not possible before damage occurred..
4  If due to to natural causes, unless weeds or undergrowth were not controlled, or pruning debris was not removed from the bog.
5 Only if adverse weather (a) prevents or negates the proper application of control measures, or (b) causes diseases or insect infestation for which no effective control mechanism is available..

Definitions
APH Yield -----  Actual production history (APH)  yield used to determine the production guarantee. The APH yield is based on up to ten years of actual and/or assigned yields.
Unit ----- The insurable acreage used to determine the APH yield, the production guarantee, and any indemnity (loss payment).
Production Guarantee ----- Number of barrels guaranteed per unit. Multiply your APH yield per acre x the coverage level percentage you select x the number of acres in the unit.

Insurance Units
Basic Unit: A basic unit includes all of your insurable cranberry acreage in the county by share arrangement. Premiums are reduced 10 percent for a basic unit.
Optional Unit: Generally, all the insured crop acreage located on the noncontiguous land. The 10 percent premium discount will not apply.

Plans of Insurance
The APH plan is the only plan of insurance available for cranberries. The production guarantee is based on your individual yield history.

Loss Example
A loss occurs when the barrels of cranberries produced for the unit fall below the production guarantee as a result of damage from a covered cause of loss. This example assumes an APH  yield of 180 barrels per acre, 75 percent coverage level, 100 percent of the established price, and basic unit coverage.
       
  180 barrels per acre APH yield
x .75 coverage level
  135 barrels per acreage guaranteed*
- 42.5 barrels per actually produced
  92.5 barrels per acre loss
x $34 price election
$3145 gross indemnity*
- $121 premium per acre (varies by county)
$ 3024 net indemnity*

* Figures shown on a per acre basis; guarantee and losses are paid on a unit basis. See policy provisions.