Learn more about Federal APH Hemp Coverage
What Can Be Insured?
Coverage is available for all hemp grown in select counties within select states with an insurable share that is:
- Grown under valid processor contract executed by ARD
- Is planted for harvest as hemp in accordance with processor contract
- Insured’s who are also processors may be able to insure hemp if certain requirements are met (Crop Provisions 7(c))
- Insured by the Actuarial Documents
- Licensed & meets regulatory requirements of governing authority
- Meets minimum acreage requirements contained in the Special Provisions
- 5 acres for CBD types
- 20 acres for grain or fiber types
- Grown by a producer with at least one-year experience producing hemp
- A variety adaptable to the area & not prohibited by governing authority or processor contract.
Hemp Types & Practices Covered
Types
- CBD—Produced from the flowers, leaves, stems, and stalks of hemp plants
- Fiber—Produced from the stems and stalk of the hemp plant
- Grain—Produced by the hemp plant
- Dual-purpose—Hemp that is grown to produce grain and fiber in the same crop year
- Oil—Produced from hemp grain
- Special Provisions
Practices
- Irrigated Organic Certified
- Irrigated Organic Transitional
- Non-Irrigated Organic Certified
- Non-Irrigated Organic Transitional
Coverage
Insurance is provided for the following causes of loss that occur within the insurance period:
- Adverse weather conditions
- Fire
- Insects/plant disease
- Wildlife
- Earthquake
- Failure of irrigation system
- Volcanic eruption
Exclusions
Coverage is not provided against damage or loss due to:
- THC levels in excess of 0.3% on a dry weight basis
- Harvested production infected by mold, yeast, fungus, or other microbial organisms after harvest
- Failure to follow requirements in processor contract
- The inability to market unless due to a covered cause of loss
Example: No indemnity will be paid if the commodity cannot be marketed due to quarantine, boycott, or refusal of any person to accept production.
Essential Coverage Dates
Insurance is provided for the following causes of loss that occur within the insurance period:
- Sales Closing—March 15 (Feb 28SCD extended for 2020 CY)
- Cancelation—February 28/ March 15
- Production—Reporting April 29
- Final Planting Date—June 15 – July 20 (specific to region and type)
- Acreage Reporting—August 15
- Premium Billing—October 1
- End of Insurance—October 31
- Contract Change Date—November 30
HempGuard is multi-peril hemp & CBD crop insurance
developed by hemp farmers
for hemp farmers