Part XIV · Ginseng Establishment Insuring Agreement A. General
“shade structures” means the posts and shade material used to control garden temperature and light intensity in
This Part applies to ginseng seedlings, as defined in this
“shade material” means either wooden lath or
Except where otherwise provided, the insurance
polypropylene cloth used to shade ginseng gardens.
provided by this Part applies only during the period from August 1 of the year of seeding to August 31 of the
“stand” means a perennial crop of sufficient density and
quality as determined by the Insured and agreed to by Agricorp at its sole discretion.
Agricorp agrees to pay the indemnities set out in this Part for loss of or damage to an insured crop caused by
“unviable seed” means ginseng seed whose embryo is
an insured peril, in accordance with the provisions of the
“year of seeding” means the calendar year (January 1 to
The limits on the amounts payable under this Part are
December 31) during which the ginseng seedling was
shown in the Application as approved by Agricorp, or the
confirmation of insurance, or Renewal Notice applicable
C. Applications
Applications are due by August 1 of the year of seeding
Except as specifically provided otherwise, the provisions
of Part I of the Contract apply to this Part. Where there is any conflict between the provisions of Part I and the
provisions specifically set out in this Part, or between the
D. General conditions
provisions of Part I and the provisions of any Production Insurance Document to which this Part applies, this Part
An Applicant or Insured must establish, to the
or the Production Insurance Document, as the case may
satisfaction of Agricorp, that good farm management
practices were followed including, without limitation, site
Where there is any conflict between a provision in this
selection, seed viability testing, and use and
Part and a provision in a Production Insurance
maintenance of shade structures. Agricorp reserves the
Document to which this Part applies, the provisions in
right to deny insurance for any section of land not
suitable for ginseng production or in which good farm management practices were not followed.
All acres of insurable crop of the Insured must have been offered to Agricorp for insurance in order for this
E. Insured Perils
Part to apply. The Insured must have a minimum of one
The insured perils that apply to the crop insured under
acre that is eligible for insurance under this Part.
this Part are drought, excessive heat, excessive
Except where provided otherwise, the insurance
moisture, excessive rainfall, flood, frost, hail, insect
provided by this Part shall be in force for the coverage
infestation, plant disease, wildlife, wind, and winter kill.
period in respect of which the Insured applied for
Agricorp will not pay an establishment indemnity or any
insurance under this Part, and shall continue in force for
other indemnities under this Part where the insured crop
each coverage period thereafter for any new ginseng
fails to establish a ginseng seedling stand as a result of
seedlings planted until it is cancelled or terminated in
accordance with the terms of the Contract.
The insurance provided by this Part is subject to such additional conditions or limitations as may be set out in
b) seeding on land that was previously used to
an applicable Production Insurance Document.
B. Definitions F. Premium
Premium is due and payable to Agricorp by November 15 of the year of seeding.
“coverage period” means the period from August 1 of the year of seeding to August 31 of the following calendar
F. Final Acreage Reporting
The Insured shall submit to Agricorp in each coverage
“ginseng seedling” means a ginseng plant planted in the
period the final acreage report in the manner specified
2014 Contract of Insurance: Terms and Conditions - Part XIV. This Part applies to the coverage period from August 1, 2013 to August 31, 2014 and shall remain in force for subsequent coverage periods for any new ginseng seedlings planted until it is cancelled, amended, or replaced.
by Agricorp, immediately following completion of seeding and not later than November 1 of the year of seeding.
When, for any coverage period, an Insured fails to submit to Agricorp the final acreage report by the required deadline date, Agricorp may cancel the Contract.
G. Establishment Indemnity
Agricorp will pay an establishment indemnity, where it is agreed by Agricorp and the Insured, that as a result of an insured peril, the insured crop fails to establish a ginseng seedling stand by August 31 of the calendar year following the year of seeding. The amount of indemnity payable will be determined in accordance with the Contract including, but not limited to, all limitations on insurable acreage or insurable crops, deductibles, and any other restriction on the amount payable, and on the basis of the applicable coverage level.
Failure to notify Agricorp of any loss or damage will result in loss of right to any claim under this Contract in respect of such loss or damage.
Insured must obtain written permission from Agricorp before destroying any damaged acres for this indemnity to apply. Agricorp will map the destroyed acres before paying a claim. Failure to notify Agricorp in writing prior to the destruction of the crop shall result in any claim being denied.
The indemnity is payable only if a minimum of 0.5 acres of the Insured’s insurable crop under this Part have failed to establish a ginseng seedling stand.
H. Deductible
An indemnity payable under this Part is reduced by a deductible, in accordance with the Contract, for the period that the indemnity is payable.
The deductible is a percentage of the insured acres.
I. Exclusions
This Part covers only ginseng seedlings and does not cover ginseng plants that were planted before the year of seeding. Damage to shade structures is not insurable under this Part.
J. Cancellation
For the purpose of clause L.2 of Part I of the Contract, the cancellation date for ginseng seedlings is August 1 of the year of seeding.
The Contract of Insurance Terms and Conditions are available by calling 1-888-247-4999 or by visitin
2014 Contract of Insurance: Terms and Conditions - Part XIV. This Part applies to the coverage period from August 1, 2013 to August 31, 2014 and shall remain in force for subsequent coverage periods for any new ginseng seedlings planted until it is cancelled, amended, or replaced.
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Part XIV · Ginseng Establishment Insuring Agreement 
by Agricorp, immediately following completion of seeding and not later than November 1 of the year of seeding.
When, for any coverage period, an Insured fails to submit to Agricorp the final acreage report by the required deadline date, Agricorp may cancel the Contract.
G. Establishment Indemnity