Crop Insured
Nursery crop insurance is available to wholesale nurseries in all counties in all States on the basis that certain criteria are met. Insurance coverage will apply by practice (field grown or container) to all your nursery plants in the county that :

• Are shown on the eligible plant list;
• Meet all the requirements for insurability: and
• Are grown in an appropriate medium using acceptable production practices.

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

Causes of Loss
Adverse weather conditions 1
Failure of irrigation of water supply 2
Fire 3
Loss in plant value due to unmarketable niche market plants 4
Wildlife
1 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. 2 If due to an insurable cause of loss. 3 Provided weeds and undergrowth are controlled. 4 Damaged plants which cannot be marketed during the normal market period ( i.e., poinsettias -November 1- December 25) due to an insurable cause.

Plant damage or losses in value as a result of the following situation are not covered:
Collapse of failure of buildings/structures 1
Disease or insect infestation 2
Failure of plants to grow to an expected size
Inadequate power supply 3
Inability to market nursery products 4

Definitions
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.
Eligible Plant List - A list with names of insurable plants, including wither protection requirements (available on CD - ROM from your agent).
Container - Grown Plants - Nursery plants planted and grown in standard nursery containers either above ground or placed in the ground, either directly or when placed in another pot in the ground ( pot - in - pot)
Liners - Insurable if the containers are equal to or greater than 1 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 reaching the sides of the container, and are able to maintain a firm root ball when lifted from the containers.
Field - Grown Plants - Nursery plants planted and grown in the ground without the use of an artificial  root containment device.

Plant Inventory Value Report
This report declares the value of your insurable plants. RMA requires a plant inventory value report for each insured practice. Two copies of your most recent wholesale catalog or price list must accompany your insurance application. Wholesale catalogs must :

• Be type written and legible;
• Show an issue date on cover page ( may be hand written)
• Contain name, address, and telephone number of nursery;
• Be used for plant sales to customers, and
• List plant names, container sizes, and wholesale prices.

Peak Inventory Endorsement
For increased  coverage during certain periods when your inventory value maybe significantly higher than the annual plant inventory value, you may want to consider a peak inventory endorsement (not available with Catastrophic (CAT) coverage). Contact your crop insurance agent for further details.

Rehabilitation Endorsement
The endorsement applies to field - grown plants and provides labor and material costs for pruning and setup (righting, propping, and staking) and is not available with CAT. Contact your crop insurance agent for further details.

Coverage Levels and Premium Subsidies
Coverage levels range from 50 to 70 percent of your plant inventory value. Crop insurance premiums are subsidized as shown in the following table. For example, if you select the 75- percent coverage level, your premium share would be 45 percent of the base premium: CAT coverage is fixed at 27.5 percent of  your plant inventory  value. The only cost for CAT coverage is an administrative fee of $100.