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Crop insurance: a counter for the uninsured opens this Friday

A window allowing uninsured breeders and other partially insured farmers to benefit from partial state coverage in the event of a natural disaster opens this Friday, the Ministry of Agriculture said.

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Crop insurance: a counter for the uninsured opens this Friday

A window allowing uninsured breeders and other partially insured farmers to benefit from partial state coverage in the event of a natural disaster opens this Friday, the Ministry of Agriculture said. The crop insurance reform launched in 2023 must put an end to the old agricultural calamity regime, which compensated part of uninsured goods and crops. For risks of exceptional magnitude, the highest losses are now partly covered, for all farmers, by a “national solidarity indemnity” (ISN) provided by the State.

For insured farmers, the ISN covers 90% of these highest losses - when at least 30% of a forage meadow is burned or 50% of a vineyard has frozen, for example -, and the insurer covers them. 10% remaining. For the uninsured, coverage decreases, with the ISN covering 45% of these highest losses in 2023, 40% in 2024 and 35% in 2025. The rest is the responsibility of the farmer, the objective being to encourage them to take out insurance - especially since insurance premiums are subsidized at 70%.

These uninsured operators must now contact “approved contacts”, insurers responsible for managing and paying the ISN on behalf of the State. Farmers already insured for part of their farm have until March 31 to designate their approved contact, in order to be able to claim ISN in the event of a disaster for their uninsured production.

Breeders who are not insured must also choose an approved contact person for their meadows online, before mid-May (this date may still change, according to the ministry). The online platform is open at the following address: https://agriculture.gouv.fr/interlocuteurs-agrees-2024. For those who are not insured in arboriculture, field crops and viticulture, the counter will open later.

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