A new insurance for farmers in Côte d’Or

Crop insurance was designed for farmers

Credit: Illustrative photo K6FM

Faced with the growing cost of damage caused in recent years by increasingly intense and frequent climatic hazards, the law of March 2, 2022 on the reform of climate risk management tools in agriculture has established new methods of compensation for losses harvests resulting from climatic hazards, based on the equitable sharing of risk between the State, farmers and insurance companies.

As of the 2023 campaign, a unique system with three “stages” has been introduced: common contingencies (1st stage) are assumed by the farmers; significant hazards (2nd stage) are covered by subsidized multi-risk climate insurance for farmers who have chosen to take out insurance. Finally, exceptional hazards (3rd floor) trigger State intervention, via national solidarity, including for uninsured farmers. The threshold for triggering national solidarity and the corresponding excess vary according to the sector:

From 50% crop loss for field crops, industrial crops, vegetables and viticulture; from 30% crop loss for arboriculture, small fruits, meadows and specialized crops (perfume, aromatic and medicinal plants, beekeeping, horticulture, heliciculture, nurseries).

The subsidy on insurance premiums and contributions is thus reinforced. The subsidy rate is increased to 70% in 2023 (compared to 62% on average in 2022) and the scope of subsidizable guarantees is widened, with in particular a subsidizable deductible level from 20% of losses (compared to 25% in 2022). In the event of a claim, the terms of compensation will be more favorable for farmers who have taken out a crop insurance contract. To simplify procedures for insured farmers, insurance companies play the role of approved interlocutor and pay harvest insurance indemnities as well as the national solidarity indemnity, on behalf of the State, for crops insured in 2023.

Farmers are therefore invited to approach insurance companies and connect to the website of the Ministry of Agriculture to obtain quotes and, if necessary, to choose insurance before the start of their campaign. production. As a reminder, the marketing campaign for multi-risk weather insurance contracts ends for most crops at the end of February (it continues in March for grassland essentially).


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