United States 

Department of 

Agriculture

Federal Crop

Insurance

Corporation

FCIC-24070 (02-2024)

NURSERY VALUE 

SELECT PILOT CROP 

INSURANCE 

STANDARDS 

HANDBOOK

2025 and Succeeding Crop Years
THIS PAGE IS INTENTIONALLY LEFT BLANK
February 2024 FCIC-24070 TP 1 

UNITED STATES DEPARTMENT OF AGRICULTURE

FARM PRODUCTION AND CONSERVATION

RISK MANAGEMENT AGENCY

TITLE: NURSERY VALUE SELECT PILOT CROP 

INSURANCE STANDARDS HANDBOOK

NUMBER: FCIC-24070

OPI: Product Administration & Standards Division

EFFECTIVE DATE: 2025 and Succeeding Crop Years ISSUE DATE: February 29, 2024

SUBJECT:

Provides underwriting procedures and instructions 

for administering the Pilot Nursery Value Select 

crop insurance program.

APPROVED:

/s/ John W. Underwood for

Deputy Administrator for Product Management

REASON FOR ISSUANCE

The Nursery Value Select Pilot Crop Insurance Standards Handbook is being issued and effective for the 

Nursery Value Select Pilot Crop Insurance Program for the 2025 Crop Year. This handbook replaces FCIC24070, Risk Management Agency Nursery Value Select Pilot Crop Insurance Standards Handbook, dated 

February 28, 2022. This handbook is effective upon approval and until obsoleted.

SUMMARY OF CHANGES

Listed below are the changes to the 2025 FCIC-24070 Nursery Value Select Pilot Crop Insurance Standards 

Handbook with significant content change. All changes and additions are highlighted. Minor changes and 

corrections are not included in this listing. *** used throughout the handbook indicate where major deletions 

occurred. 

Reference Description of Change

Throughout Updated the handbook to the newest EHS standards.

Throughout Updated the handbook to replace references to variations of the word “reject” with 

variations of “not accept”.

Para. 3A Page 3: Included additional states in the list.

Para. 3B Page 3: Included additional states in the list.

Para. 11 Page 7: Included additional states in the list. 

Para. 13A Page 9: Added PO Box address exclusion.

Para. 13A Page 10: Revised Exhibit reference and added procedural requirements for prompt catalog 

uploads.

Para. 19A Page 31: Included additional states in the list. 

Exhibit 8 Page 59: Added checklist title; field for issue date; PO Box address exclusions; field for 

catalog and checklist date, AIP reviewer email address field, and AIP reviewer phone number.
February 2024 FCIC-24070 TC 1 

NURSERY VALUE SELECT PILOT CROP INSURANCE STANDARDS HANDBOOK

TABLE OF CONTENTS

PART 1: GENERAL INFORMATION AND RESPONSIBILITIES.............................................................................. 1

1 General Information...................................................................................................................... 1

2 Responsibilities.............................................................................................................................. 2

3 Important Dates............................................................................................................................ 3

4 Policy and Application Change Form............................................................................................. 6

5-10 (Reserved) ..................................................................................................................................... 6

PART 2: NURSERY VALUE SELECT PILOT CROP PROVISIONS............................................................................ 7

11 Availability..................................................................................................................................... 7

12 Coverage Levels............................................................................................................................. 8

13 Basis of Coverage .......................................................................................................................... 9

14 Insurable Plants...........................................................................................................................12

15 Cause of Loss Limitations ............................................................................................................25

16 Conditions of Acceptance............................................................................................................26

17 Unit Division................................................................................................................................29

18 Amount of Insurance and Premium ............................................................................................30

19 NVR .............................................................................................................................................31

20 Written Agreements....................................................................................................................34

21 Deductibles ................................................................................................................................. 34

22 OLO Coverage..............................................................................................................................35

23-30 (Reserved) ...................................................................................................................................35

EXHIBITS .......................................................................................................................................................36

Exhibit 1 Acronyms and Abbreviations................................................................................................. 36

Exhibit 2 Definitions .............................................................................................................................37

Exhibit 3 (Reserved) .............................................................................................................................38

Exhibit 4 Nursery Value Report............................................................................................................39

Exhibit 5 Monthly Unit Value Plan .......................................................................................................45

Exhibit 6 NVS Underwriting Inspection Report ....................................................................................48

Exhibit 7 FCIC Container Sizes..............................................................................................................54

Exhibit 8 NVS Catalog Checklist............................................................................................................55

Exhibit 9 Decision Tree for Unit Structure and Administrative Fees.....................................................57

Exhibit 10 Cold Protection Assignments................................................................................................. 58

Exhibit 11 Operational Cold Protection Requirements ..........................................................................59
February 2024 FCIC-24070 1 

PART 1: GENERAL INFORMATION AND RESPONSIBILITIES 

1 General Information

A. Purpose and Objective

To provide instructions for underwriting nursery crops under the NVS CP and to assure uniform 

acceptance of nursery risks.

AIPs may develop forms that meet their internal systems and administrative needs. The forms 

must meet FCIC’s approved standards contained in this handbook or as specified in FCIC-24040, 

the Document and Supplemental Standards Handbook, and provide all required information. 

Standards and examples contained in this handbook do not contain required statements. Refer 

to the FCIC-24040 to determine the applicable statements to be included on each form. The 

Collection of Information and Data (Privacy Act) Statement and the Nondiscrimination 

Statement must be included on any form the insured signs.

B. Source of Authority

The NVS pilot program was approved by the FCIC Board of Directors on November 15, 2019 

under the authority of Section 523 of the Federal Crop Insurance Act.

C. Title VI of the Civil Rights Act of 1964

The USDA prohibits discrimination against its customers. Title VI of the Civil Rights Act of 1964 

provides that “No person in the United States shall, on the ground of race, color, or national 

origin, be excluded from participation in, be denied the benefits of, or be subjected to 

discrimination under any program or activity receiving Federal financial assistance.” Therefore, 

programs and activities that receive Federal financial assistance must operate in a nondiscriminatory manner. Also, a recipient of RMA funding may not retaliate against any person 

because they opposed an unlawful practice or policy, or made charges, testified or participated 

in a complaint under Title VI.

It is the AIPs’ responsibility to ensure that standards, procedures, methods and instructions, as 

authorized by FCIC in the sale and service of crop insurance contracts, are implemented in a 

manner compliant with Title VI. Information regarding Title VI of the Civil Rights Act of 1964 

and the program discrimination complaint process is available on the USDA public website at 

www.ascr.usda.gov. For more information on the Non-Discrimination Statement, see the DSSH.
February 2024 FCIC-24070 2 

1 General Information (Continued)

D. Related Handbooks

The following table provides handbooks related to this handbook.

Handbook Relation/Purpose

GSH This handbook provides the official FCIC-approved standards for policies 

administered by AIPs under the General Administrative Regulations, Common 

Crop Insurance Policy Regulations Basic Provisions, including the Catastrophic 

Risk Protection Endorsement; the Area Risk Protection Insurance Regulations 

Basic Provisions; the Stacked Income Protection Plan of Insurance; the Rainfall 

Index Plan; and the Whole-Farm Revenue Protection Pilot Policy.

CIH This handbook provides the official FCIC-approved underwriting standards for 

policies administered by AIPs for the General Administrative Regulations, 

Common Crop Insurance Policy Basic Provisions, and Area Risk Protection 

Regulations.

NVS LASH Provides instructions for loss adjustment of nursery crops under the NVS CP and 

to assure uniform application of loss adjustment procedures.

DSSH This handbook provides the official FCIC-approved form standards for use in the 

sale and service of any eligible Federal crop insurance policy; required 

statements and disclosures; and the standards for submission and review of 

non-reinsured supplemental policies in accordance with the SRA.

E. Duration of Handbook

The NVS pilot program is authorized until terminated or converted to a permanent program by 

the FCIC Board of Directors. 

F. Area of Applicability

See actuarial documents for the pilot area. 

2 Responsibilities

A. RMA Responsibilities

RMA will maintain and update this handbook as needed and provide guidance and clarifications 

to the AIP as requested.

B. AIP Responsibilities

AIPs will utilize this handbook and other standards, procedures, and instructions as authorized 

by RMA for the purpose of selling and servicing the NVS Pilot Crop Insurance Program. AIPs 

should report program issues or concerns to RMA.
February 2024 FCIC-24070 3 

3 Important Dates

A. Contract Change

(1) January 31 preceding the cancellation date for all Atlantic Coast states, Gulf Coast 

states, and West Virginia. 

(2) April 30 preceding the cancellation date for all other states.

B. Sales Closing

(1) SCDs are shown in the actuarial documents. The program has two SCDs:

(a) All Atlantic Coast states, Gulf Coast states, and West Virginia: May 1 preceding 

the crop year (crop year begins June 1 and ends May 31).

(b) All other states: September 1 preceding the crop year (crop year begins October 

1 and ends September 30). ***

(2) New policy applications may be filed after the sales closing date. All applications, 

including those for new or amended coverage, are subject to a 30-day waiting period 

before commencement of coverage as specified in Section 9 of the CP. Carryover 

insureds may request changes to the coverage level and SV for a basic unit on or before 

the SCD. 

C. NVR, MUVP, and Catalog Submission Deadlines

(1) New insureds: With the application.

(2) Carryover insureds: On or before the SCD.

If an acceptable NVR is not provided by the SCD for any crop year, insurance will not 

attach until the 31st day (30-day waiting period) after all acceptable documents are 

received by the AIP.

D. Insurance Attachment

(1) New insureds: The later of the 31st day (30-day waiting period) after the application 

and all required documentation is received by the AIP on June 1 or October 1, as 

applicable.
February 2024 FCIC-24070 4 

3 Important Dates (Continued)

D. Insurance Attachment (Continued)

(2) Carryover insureds: The later of the 31st day after an acceptable NVR and catalog are 

received by the AIP or June 1 or October 1, as applicable, after the SCD. If the insured 

fails to submit a new NVR on or before the SCD, insurance will not attach for the crop 

year.

The 30-day waiting period does not include the date the required documentation is 

received or the date insurance attaches. For example, an application and all required 

documentation are received on May 10. Insurance will not attach until the 31st day 

after the required documentation is received; therefore, insurance does not attach until 

June 10. However, premium will be owed for the entire month of June. The AIP may 

choose to not accept the application or documentation if it is determined that the 

information provided is incomplete or incorrect.

For each subsequent crop year, provided the insured has submitted all required 

documentation from Section 6(b) of the CP by the SCD, coverage will begin at the same 

coverage level and SV on June 1 or October 1, as applicable.

(3) If the insured submits a new NVR by the applicable SCD, but the AIP notifies the insured 

the new NVR is unacceptable, the insured must provide an acceptable NVR within 30 

days after the date of notice of an unacceptable NVR has been sent for insurance to 

attach for the crop year. ***

(4) If an acceptable NVR is not submitted within the 30 days after the date of notice of not 

accepting, insurance will not attach for the crop year.

(5) If an acceptable NVR is received within 30 days after not accepting, insurance will attach 

on the 31st day after all documents required for an acceptable NVR have been received 

by the crop insurance agent. The crop insurance agent is encouraged to transmit the 

documents to the AIP within five business days or a timeframe established by the AIP.

E. Premium Billing

The premium billing date is based upon the SCD.

(1) May 1 SCD premium billing is March 1 of the following calendar year.

(2) September 1 SCD premium billing is July 15 of the following calendar year.

(3) The insured is responsible for premium based on:

(a) The initial NVR and will be prorated from the month coverage begins as 

described in CP Section 6(d) if insurance attaches after the start date of the crop 

year.

(b) A revised NVR and will be prorated from the month the revised coverage begins 

as described in CP Section 6(d) to the end of crop year.
February 2024 FCIC-24070 5 

3 Important Dates (Continued)

E. Premium Billing (Continued)

(4) For additional levels of coverage, the insured must pay an administrative fee for each 

insured plant category within each insured practice.

(5) For CAT level of coverage, the insured must pay an administrative fee for each insured 

practice.

F. Cancellation and Termination

The cancellation and termination dates are:

(1) May 31 for counties with a May 1 SCD; and

(2) September 30 for counties with September 1 SCD.

Note: To be effective for the crop year, insureds must request to transfer the 

policy to a different AIP prior to the cancellation date, in accordance with 

procedures contained in the FCIC-18010 CIH. Any policy transferred after 

the SCD and prior to the cancellation date must have the same coverage 

levels, plant categories, etc., that were effective on the SCD.

G. End of Insurance Period

Insurance ends on the basic unit at the earliest of:

(1) The date of final adjustment of a loss when the total of all indemnities equals the 

amount of insurance;

(2) Harvest of the crop including removal of bare root nursery plant material from the field 

or removal of other insured plant material from the nursery;

(3) For counties with a May 1 SCD, midnight local time May 31st of the following calendar 

year. For counties with a September 1 SCD, midnight local time September 30th of the 

following calendar year;

(4) Abandonment or destruction of the crop; or

(5) For specific plants, when determined to be discarded damaged or dead/ZMV plants.
February 2024 FCIC-24070 6 

Important Dates (Continued) 

H. Dates

Date Description

All Atlantic Coast 

States, Gulf Coast 

States, and West 

Virigina

All Other States

Sales Closing Date 05/01/20yy 09/01/20yy

Cancellation Date 05/31/20yy 09/30/20yy

Premium Billing Date 03/01/20yy+1 07/15/20yy+1

End of Insurance Date 05/31/20yy+1 09/30/20yy+1

Termination Date 05/31/20yy+1 09/30/20yy+1

Contract Change Date 01/31/20yy+1 04/30/20yy+1

Crop Year 20yy+1 20yy+1

Reinsurance Year 20yy 20yy+1

4 Policy and Application Change Form 

An application or policy change form (issued by the AIP) is required for adding a location (for example, 

a basic unit by non-contiguous land is elected on the field grown practice), making a change in the 

coverage level or SV, or electing the OLO. The insurance application/policy change form and the NVR 

are separate forms and will be treated as such in contract administration. The NVR is not an 

application and cannot be used to apply for coverage. Its purpose is substantially the same as an 

acreage report.

5-10 (Reserved) 
February 2024 FCIC-24070 7 

PART 2: NURSERY VALUE SELECT PILOT CROP PROVISIONS 

11 Availability

The NVS pilot program is available to insureds in all states and counties. ***

(1) Crop insurance protection is available to all persons who operate a wholesale nursery that 

produces and markets nursery plants grown in standard nursery containers or in the field in 

accordance with the BP, SP, CAT Endorsement, and NVS Pilot CP.

(a) A wholesale nursery is a business enterprise that grows and markets nursery plants to 

retailers that resell plants to the end user, except for end-users such as landscape 

contractors, government entities or organizations, and commercial fruit producers. To 

qualify as a nursery under the CP, at least 40 percent of the gross income of the nursery 

must be derived from sales of plants at wholesale prices. Whether a nursery holds a 

wholesale license is not a determining factor in establishing if it qualifies as a wholesale 

nursery under the CP.

(b) The percentage of nursery plants sold at wholesale prices is determined by dividing the 

dollar amount of wholesale plant sales by the total dollar amount of combined retail 

and wholesale plant sales. Income from other operations including landscaping, 

chemical sales, other nursery-related products, production of other crops or livestock or 

any other business enterprise not related to the nursery inventory are not to be 

included in this calculation.

(2) All applicants must be eligible for crop insurance benefits and not be listed on the Ineligible 

Tracking System. Any producer who is ineligible because of debt may subsequently become 

eligible by paying the debt or executing a written payment agreement (see Section 2 of the BP). 

Such producers may then apply for NVS for the remainder of the crop year if the application is 

received more than 30 days before the end of the crop year. Refer to Section 2(f) of the BP and 

7 CFR Part 400 subpart U for provisions and regulations regarding insurance eligibility.

(3) A nursery may insure one or both insurable practices (field grown and container grown). A 

basic unit, unless it is further divided into basic units by plant category in accordance with 

Section 2 of the CP, is all insurable plants within each practice that you elect to insure. For 

example, a nursery may insure one practice at CAT level of coverage and the other practice at 

an additional level of coverage. 

(a) For additional level of coverage:

(i) a basic unit may be divided into additional basic units using either of the 

following method:

(A) each plant category the insured chooses to insure within an insured 

practice; or
February 2024 FCIC-24070 8 

11 Availability (Continued)

(B) non-contiguous land for the field grown practice. Each basic unit 

established by plant category can have a different coverage level. 

(ii) all plant categories within an insured practice are not required to be insured. An 

administrative fee will be charged for each plant category insured.

(b) For CAT level of coverage, all plant categories within a practice must be insured. An 

administrative fee will be charged for each insured practice.

(c) An insured cannot have a policy under both the Nursery Crop Provisions and under the 

NVS Crop Provisions on the same practice for the same crop year. However, the insured 

may have a Nursery Crop Provisions policy on one practice (e.g., field grown) and NVS 

Crop Provisions policy on another practice (e.g., container grown).

12 Coverage Levels

(1) Changes to coverage level elections are limited as follows:

(a) for new policies: Changes may not be made after the date of the application.

(b) for carryover policies: Coverage level changes can be made only by filing a policy 

change form and a new NVR on or before the SCD. The AIP has the right to not accept a 

timely-requested coverage level change for the crop year if a loss occurs within 30 days 

of the date the request is made. 

(2) For CAT level of coverage policies: The amount of insurance is 50 percent of the SV multiplied 

by 55 percent (price election) and multiplied by the insured’s share. CAT level of coverage must 

be elected at the practice level. If the insured elects the CAT level of coverage for a practice, all 

plant categories under the practice are insured at the CAT level of coverage.

(2) For additional level of coverage policies: The amount of insurance for each basic unit equals 

the SV multiplied by the coverage level percent and the insured’s share. The coverage levels a 

nursery may choose are 50 to 75 percent, in five percent increments.

(a) For basic units by plant category, the insured may select a different coverage level for 

each insured plant category.

(b) For basic units by non-contiguous land, the insured must select the same coverage level 

for all basic units.

(4) For each subsequent crop year, unless changed by the insured’s renewal application, coverage 

will begin at the same coverage level and SV on June 1 or October 1, depending on the SCD. 

The insured must certify on the NVR there has been no material change from the previous crop 

year.

Exhibit 9 illustrates allowable coverage levels.
February 2024 FCIC-24070 9 

13 Basis of Coverage 

A. Catalogs

New insureds must submit two printed copies or one electronic copy of the most recent 

catalog(s) to the AIP with their application. If the new insured fails to provide an NVR or an 

acceptable catalog (i.e., does not meet the criteria in (2) below) with the application for any 

crop year, insurance will not attach until the 31st day after all such acceptable documents have 

been received by the crop insurance agent.

Carryover insureds must submit two printed copies or one electronic copy of the most recent 

catalog(s) to the AIP with the NVR. If the carryover insured fails to provide an acceptable 

catalog (i.e., does not meet the criteria in (2) below) insurance will not attach until the 31st day 

after all such acceptable documents have been received by the AIP.

The catalog must be in a format that meets the requirements of Section 6(k) of the CP. These 

requirements are shown below.

(1) If the catalog is provided electronically, it must be in a format suitable for printing.

(2) To be acceptable, a catalog must:

(a) be typewritten or printed and legible and must be the same catalog provided to 

customers. All discounts must also be provided regardless of whether they are 

provided to a single customer or multiple customers. 

(b) contain all of the following information:

(i) issue date (season and year or month and year) on the cover page (may 

be handwritten).

(ii) name, address (excluding PO boxes), and phone number of the nursery.

(iii) each plant’s name (botanical or common), plant or container size, and 

wholesale price.

(3) If the nursery publishes more than one edition of its catalog offering different plants 

(e.g., a fall catalog and a spring catalog), two printed copies or one electronic copy of 

the most recent edition for each season must be submitted for each crop year at the 

time the initial NVR is submitted. The catalog submitted with the original NVR may be 

used for purposes of a revised NVR, unless the nursery submits a newer catalog.

(4) If both a spring and fall catalog are submitted by an insured, the prices for plants will be 

selected from the appropriate catalog at time of loss.
February 2024 FCIC-24070 10

13 Basis of Coverage (Continued)

A. Catalogs (Continued)

(5) If the insured has plants within an insured plant category in the nursery that are not yet 

available for sale and are not included in the catalog, the insured must submit a 

supplement to the catalog containing these plants and the value of these plants must be 

reflected in the MUVP.

(a) At a minimum, the supplement must meet all the requirements stipulated in 

2(b).

(b) The plants for which the revised catalog or supplement is submitted will not be 

insurable until the 31st day after the revised catalog or supplement is received 

by the crop insurance agent.

(6) The AIP shall review the catalogs. The AIP shall not accept those that do not meet the 

policy criteria and notify the insured or applicant in writing of the reason for not 

accepting by providing a copy of a completed and signed Nursery Catalog Checklist (see 

Exhibit 8) explaining the deficiencies and reason catalog is not accepted. 

(7) AIPs shall submit one copy of the acceptable catalog, along with a completed and signed 

Nursery Catalog Checklist (see Exhibit 8) to the RMA RO on a timely basis. The preferred 

method of transmittal is through the ROE system (refer to Appendix III for guidance). 

Failure to upload the catalog and checklist to ROE within 60 days after the AIP receives 

the catalog will result in an AIP Scorecard Error. Uploading an unacceptable catalog will 

also result in an AIP Scorecard Error. 

(a) The AIP must ensure the date the catalog is received is documented on both the 

catalog and checklist. 

(b) The Checklist must contain the crop year, state, county, policy number, nursery 

name on catalog (if different than the insured’s name), agent’s name and 

servicing company and be submitted with the catalog.

(c) The AIP’s copy of the catalog will be maintained in the insured’s official file.

(d) If a pattern, practice, or trend of unacceptable catalogs submitted by the AIP is 

identified, the RO will notify the AIP and refer to the appropriate RMA Regional 

Compliance Office.

(e) Catalogs submitted by more than one insured entity that appear to be 

substantially the same, except for the front cover, must be referred to the 

appropriate RMA Regional Compliance Office for investigation.
February 2024 FCIC-24070 11

13 Basis of Coverage (Continued)

B. Sales Records

(1) Verifiable sales records requirements must have:

(a) the name and address of the purchaser and the date of sale;

(b) the complete botanical or common name and number of the specific plant(s) 

sold and delivered; and

(c) the actual wholesale price excluding the following:

(i) discounts and shipping charges; and

(ii) any similar amounts that do not directly relate to the wholesale value of 

the specific plants purchased and received.

(2) For a sales record to be used it must:

(a) represent contracted sales for delivery during the current crop year; or

(b) represent sales from 60 days, or 12 months, as applicable, prior to the loss 

occurrence;

(c) include the specific plant name(s) and wholesale price of sale;

(d) list any discount(s) applied; and

(e) represent a transaction with a disinterested third party.

C. MUVP

(1) Insureds must submit a copy of their MUVP for each basic unit each crop year as a 

condition of insurance.

Exception: in lieu of submitting a new MUVP for the crop year, the insured may 

certify on the NVR that the previously-submitted MUVP continues to 

represent the values for the next crop year.

(2) The MUVP:

(a) contains the insured’s assessments (based on knowledge of past sales, inventory 

records, prior sales prices, etc.) of the maximum expected values that will be in 

each insured plant category for additional levels of coverage, and all plant 

categories for CAT level of coverage, within each basic unit for each month of the 

crop year. 

(b) must be submitted for each basic unit.

(c) must be on our form and is made part of the NVR.
February 2024 FCIC-24070 12

13 Basis of Coverage (Continued)

C. MUVP (Continued)

(3) One approach for this valuation is set forth below, but it is not the only method. The 

insured identifies the anticipated specific plants within each plant category in a basic 

unit and:

(a) determines the anticipated total number of each of these specific plants on the 

operation during each month of the insured crop year;

(b) multiplies the appropriate approved sales value for each specific plant by the 

number of that specific plant determined in (a); and 

(c) sums all the values from (b) for each month.

Refer to Exhibit 5 for an example of an MUVP.

14 Insurable Plants

A. Nursery Plants

Plants meeting the requirements of the Nursery CP and SP are insurable.

B. Plant Categories

The CP lists the plant categories insurable under NVS. For convenience these are listed below. 

The list of genera contained within each Plant Category serves as a guide to assign plants to a 

Plant Category. As indicated in some of the Plant Category Definitions, the specific plants may 

display attributes of a different Plant Category depending on the location in which it is grown. 

In this case, use the Plant Category definitions to determine the most appropriate Plant 

Category.

(1) Liners 

Plants of any species produced in standard nursery or greenhouse containers such as 

plug trays, sheet pots, tray packs, and bedding packs with cells equal to or greater than 

5/8-inch across, but less than 3 inches across at the widest point of the cell interior. 

These plants must have an established root system reaching the sides of the container, 

and they must maintain a firm root ball when lifted from the container.

(a) Liners in trays containing multiple species, subspecies, varieties or cultivars are 

not insurable. 

(b) Plants in connected containers (i.e., plug trays, sheet pots, tray packs and 

bedding packs) with cells larger than 3 inches across at the widest point of the 

cell interior are insurable under their appropriate category rather than as Liners. 

In case of a loss, each cell in these larger plug trays, sheet pots, tray packs and 

bedding packs is treated as a separate container. 
February 2024 FCIC-24070 13

14 Insurable Plants (Continued)

B. Plant Categories (Continued)

(c) For cold protection purposes, liners consisting of Annual Plants, Palms, Cycads 

and Plants Grown for One Year or Less, have separate cold protection 

requirements from liners consisting of perennials other than Palms, Cycads and 

Plants Grown for One Year or Less.

(2) Annual Plants and Plants Grown for One Year or Less

(a) Plants that complete their Life Cycle within one year including summer annuals 

and winter annuals.

Genera Included: Abelmoschus, Agalinis, Ageratum, Alcea, Amaranthus, 

Anagallis, Anethum, Angelica, Anthriscus, Antirrhinum, Amoracia, Beta, Bidens, 

Brachyscome, Brassica, Browallia, Calandrinia, Calendula, Cannabis*, Capsicum, 

Carum, Celosia, Chamaecrista, Chrysocephalum, Cistanthe, Citrullus, Cleome, 

Coriandrum, Cosmos, Cryptotaenia, Cucumis, Cucurbita, Daucus, Eruca, 

Eschscholzia, Eustoma, Exacum, Flaveria, Foeniculum, Gomphrena, Hebenstretia, 

Herniaria, Hunnemannia, Impatiens, Isatis, Lobularia, Luffa, Lunaria, Matricaria, 

Matthiola, Murdannia, Nemesia, Nicotiana, Nierembergia, Ocimum, Oryza, 

Pericallis, Perilla, Petroselinum, Petunia, Pimpinella, Salpiglossis, Solanum, Stevia, 

Tagetes, Torenia, Valerianella, Verbascom, Viola, Zea, Zinnia.

*Cannabis sativa L is the only species insurable under the genus Cannabis. 

(b) In addition to the Annual Plants in this category, also included are herbaceous 

plants that are not Annual Plants, but they are plants that are grown for one year 

or less, mainly for annual seasonal celebrations, annual seasonal gardens and 

annual seasonal special occasions.

This does not include small plants of this category grown as Liners or plants 

grown as Foliage Plants.

Genera Included: Colocasia, Lilium, Musa, Poinsettia, Solanum, Other NonAnnual Specific-use Species.

(3) Herbaceous Biennial and Perennial Plants

Plants that have non-woody stems and live for more than one year. In temperate zone 

winters, the above-ground growth of Herbaceous Biennial and Perennial Plants may die 

back to the ground; however, these Biennial and Perennial Plants remain insured as 

Herbaceous Biennial and Perennial Plants.

This does not include small plants of this category grown as Liners or plants grown as 

Foliage Plants.

Genera Included: Acaena, Acanthus, Achillea, Achlys, Acinos, Acemila, Acmispon, 

Aconitum, Acorus, Acrostichum, Actaea, Adenophora, Aegopodium, Aethionema, 

Agapanthus, Agapetes, Agastache, Ageratina, Agoseris, Agropyron, Agrostis, Ajuga, 
February 2024 FCIC-24070 14

14 Insurable Plants (Continued)

B. Plant Categories (Continued)

(3) Herbaceous Biennial and Perennial Plants (Continued)

Alcea, Alchemilla, Alisma, Allium, Alonsoa, Alopecurus, Aloysia, Alstroemeria, Alpinia, 

Alyssum, Alyxia, Amaryllis, Ambrosia, Ammophila, Amomum, Amorpha, 

Amorphophallus, Ampelaster, Ampelodesmos, Amphicarpum, Amsonia, Anacyclus, 

Anaphalis, Anchusa, Andreopogon, Androsace, Andryala, Anemanthele, Anemone, 

Anemonopis, Anemopsis, Angelonia, Anigozanthos, Antennaria, Anthemis, Anthericum, 

Anthoxanthum, Anthyllis, Apium, Aquilegia, Arabis, Arachis, Arachniodes, Aralia, Araujia, 

Arctanthemum, Arctotis, Arenaria, Argentina, Argyanthemum, Arisaema, Arisarum, 

Aristea, Aristida, Aristolochia, Ameria, Arnica, Amoglossum, Arrhenatherum, Artemisia, 

Arthropodium, Arum, Aruncus, Arundo, Asarina, Asarum, Asclepias, Asparagus, 

Asperula, Asphodeline, Astelia, Aster, Asteriscus, Astilbe, Astilboides, Astragalus, 

Astrantia, Arystasia, Aubrieta, Aureolaria, Aurinia, Azara, Azorella, Babiana, Bacopa, 

Baileya, Ballota, Balsamorhiza, Baptisia, Bauera, Baumea, Beckmannia, Beesia, Bellis, 

Bellium, Bergenia, Bertandiera, Besseya, Billardiera, Blephilia, Boehmeria, Boesenbergia, 

Bolax, Bolboschoenus, Boltonia, Bomarea, Borago, Bothriochloa, Bouteloua, Bouvardia, 

Boykinia, Brachyglottis, Brachypodium, Brillantaisia, Briza, Bromus, Brunnera, Buchloe, 

Bulbinella, Buphthalmum, Burbidgea, Butomus, Caladium, Calamagrostis, Calamintha, 

Calamovilfa, Calceolaria, Calibrachoa, Callirhoe, Callisia, Calostemma, Caltha, 

Calylophus, Calystegia, Camassia, Campanula, Canistrum, Canna, Cardamine, 

Carduncellus, Carex, Carlina, Carpobrotus, Castilleja, Catananche, Catha, Catharanthus, 

Caulophyllum, Cautleya, Centaurea, Centaurium, Centella, Centradenia, Centranthus, 

Centratherum, Cephalaria, Cephalotus, Cerastium, Ceratostigma, Ceropegia, 

Chaenorhinum, Chamaebatiaria, Chamaemelum, Chasmanthe, Chasmanthium, 

Chelanthes, Chelone, Chenopodium, Chiastophyllum, Chimaphila, Chondropetalum, 

Christia, Chysactinia, Chrysanthemopsis, Chrysanthemum, Chrysogonum, Chrysobalanus, 

Chrysopsis, Chrysothemis, Cicuta, Cinna, Cirsium, Cladium, Claytonia, Cleretum, 

Clianthus, Clinopodium, Clintonia, Clivia, Coix, Colchicum, Coleostephus, Colocasia, 

Comanthosphace, Comptonia, Conoclinium, Consolida, Convallaria, Coptis, Coreopsis, 

Cornukaempferia, Coronilla, Corydalis, Corynephorus, Corynocarpus, Costus, Cotula, 

Crambe, Craspedia, Crinum, Crocosmia, Crossopetalum, Cryptanthus, Cryptogramma, 

Cuphea, Curuligo, Curcuma, Cyclamen, Cymbopogon, Cynara, Cypella, Cyperus, 

Crytanthus, Cystopteris, Dactylis, Dahlia, Dalea, Dampiera, Danthonia, Darlingtonia, 

Damera, Daubenya, Degenia, Delosperma, Delphinium, Dennstaedtia, Deparia, 

Deschampsia, Desmanthus, Desmodium, Dianella, Dianthus, Diarrhena, Diascia, 

Dicentra, Dichondra, Dichorisandra, Dicliptere, Dictamnus, Didelta, Dierama, Dietes, 

Digitalis, Dimerocostus, Dimorphotheca, Dionaea, Dioscorea, Dipogon, Dischidia, 

Disporopsis, Diporum, Dissotis, Distichlis, Doellingera, Doronicum, Dorycnium, 

Doryopteris, Douglasia, Draba, Dracocephalum, Drimiopsis, Drosera, Duchesnea, 

Dudleya, Dulichium, Dymondia, Dyschoriste, Echeandia, Echeveria, Echinacea, Echinops, 

Echinopsis, Echium, Edraianthus, , Eichhornia, Eleocharis, Elettaria, Ellisioiphyllum, 

Elymus, Encelia, Epigaea, Epilobium, Epimedium, Equisetum, Eragrostis, Eremurus, 

Erigeron, Erinus, Eriophorum, Eriophyllum, Eritrichium, Emodea, Erodium, Eryngium, 

Erysimum, Erythronium, Etlingera, Eucomis, Eupatorium, Euphorbia, Eurybia, Euryops, 

Euthamia, Eutrema, Eutrochium, Evolvulus, Faidherbia, Fallopia, Farfugium, Felicia, 
February 2024 FCIC-24070 15

14 Insurable Plants (Continued)

B. Plant Categories (Continued)

(3) Herbaceous Biennial and Perennial Plants (Continued)

Festuca, Filipendula, Fragaria, Francoa, Freesia, Fritillaria, Fumana, Gaillardia, 

Galanthus, Galax, Galega, Galium, Galtonia, Garberia, Gasteraloe, Gaura, Gazania, 

Gelsemium, Gentiana, Geogenanthus, Geranium, Gerbera, Geum, Gilia, Gillenia, 

Gladiolus, Glandularia, Glaucidium, Glechoma, Globba, Globularia, Gloriosa, Gloxinia, 

Glyceria, Goniolimon, Grindelia, Gunnera, Gypsophila, Habranthus, Hacquetia, 

Haemanthus, Hakonechloa, Harpochloa, Hedychium, Hedysarum, Helenium, 

Helianthemum, Helianthus, Helichrysum, Heliconia, Helictotrichon, Heliopsis, 

Heliotropium, Helleborus, Hemerocallis, Hepatica, Heracleum, Hermannia, Hesperantha, 

Hesperis, Heterocentron, Heterospathe, Heterotheca, Heuchera, Heucherella, Hibiscus, 

Hieracium, Hierochloe, Hippeastrum, Hippocrepis, Hirpicium, Hoffmannia, Holcus, 

Homalomena, Homeria, Hordeum, Horminum, Hosta, Houstonia, Houttuynia, Humulus, 

Hyacinthoides, Hyacinthus, Hydrastis, Hydrocotyle, Hydrophyllum, Hymenocallis, 

Hymenoxys, Hypericum, Hypoxis, Hypsela, Hyssopus, Hystrix, Iberis, liamna, Imperata, 

Incarvillea, Inula, Ipheion, Ipomopsis, Iris, Isolepis, Isotoma, Iva, Ixia, Jacobaea, 

Jamesbrittenia, Jeffersonia, Jovellana, Jovibarba, Juanulloa, Juncus, Kadsura, 

Kaempferia, Kalimeris, Kennedia, Kirengeshoma, Kleinia, Knautia, Kniphofia, Koeleria, 

Kosteletzkya, Krigia, Kuhnia, Lablab, Laccospadix, Lamium, Lampranthus, Lamprocapnos, 

Lapageria, Lasiacis, Lathyrus, Ledebouria, Leersia, Leonotis, Leontopodium, Leonurus, 

Lepidium, Leptinella, Leptodactylon, Lespedeza, Lesquerella, Lessingia, Leucanthemopsis, 

Leucanthemum, Leucojum, Leucosceptrum, Levisticum, Lewisia, Leymus, Liatris, Libertia, 

Licania, Ligularia, Lilium, Limonium, Linaria, Lindneria, Linnaea, Linum, Lippia, Liriope, 

Lithodora, Lithospermum, Lobelia, Lomandra, Lophospermum, Lotus, Ludwigia, Lupinus, 

Luzula, Lychnis, Lycium, Lycopus, Lygeum, Lysichiton, Lysimachia, Lythrum, 

Machaeranthera, Macleaya, Macropidia, Maianthemum, Malephora, Malva, Manettia, 

Manfreda, Marrubium, Marshallia, Matteuccia, Maurandella, Mauranthemum, Mazus, 

Mecardonia, Meconopsis, Meehania, Melampodium, Melica, Melinis, Melissa, Mentha, 

Mentzelia, Merremia, Mertensia, Mesembryanthemum, Micromeria, Milium, Mimulus, 

Minuartia, Mirabilis, Miscanthus, Mitchella, Mitella Mitaria, Molinia, Monarda, 

Monardella, Monocostus, Montiopsis, Moraea, Morina, Mucuna, Muehlenbeckia, 

Muhlenbergia, Mukdenia, Mukgenia, Muscari, Musella, Myoporum, Myosotis, Myrrhis, 

Napaea, Narcissus, Nassella, Nasturtium, Nauplius, Nautilocalyx, Nelumbo, 

Nematanthus, Neomarica, Nepeta, Nerine, Nipponanthemum, Nototrichium, Nuphar, 

Nymphaea, Odontonema, Oenanthe, Oenothera, Oligoneuron, Olsynium, Omphalodes, 

Onoclea, Onopordum, Ophiopogon, Origanum, Ornithogalum, Orostachys, Orthosiphon, 

Orthrosanbthus, Oryzopsis, Osbeckia, Osmorhiza, Osmunda, Osteospermum, 

Otacanthus, Oxalis, Oxera, Oxypolis, Oxytropis, Pachysandra, Packera, Paeonia, Panax, 

Panicum, Papaver, Paradisea, Pardancanda, Parnassia, Parochetus, Paronychia, 

Parthenium, Paspalum, Passiflora, Patrinia, Pedicularis, Pelargonium, Pellionia, 

Peltandra, Peltoboykinia, Pennisetum, Penstemon, Pentalinon, Pentas, Penthorum, 

Peristrophe, Perityle, Perovskia, Persicaria, Petasites, Petchoa, Petrocallis, Petrocoptis, 

Petrophytum, Petrorhagia, Peucedanum, Phacelia, Phaedranassa, Phalaris, Phenimus, 

Phegorpteris, Phlomis, Phlox, Phormium, Phragmites, Physalis, Physostegia, Phyteuma, 
February 2024 FCIC-24070 16

14 Insurable Plants (Continued)

B. Plant Categories (Continued) 

(3) Herbaceous Biennial and Perennial Plants (Continued) 

Pilosella, Pinellia, Pinguicula, Piper, Pistia, Pityopsis, Platycodon, Plecostachys, Poa, 

Podophyllum, Podonatherum, Pogostemon, Polermonium, Polianthes, Poliomintha, 

Polygala, Polygonatum, Polystichum, Pontederia, Porana, Portea, Portulaca, Pratia, 

Prenanthes, Primula, Pritzelago, Prosartes, Prunella, Pseudoroegneria, Psilostrophe, 

Pteridium, Pterocephalus, Ptilotus, Pulmonaria, Pulsatilla, Pycnanthemum, Quisqualis, 

Ranunculus, Raoulia, Ratibida, Rehmannia, Reineckia, Reseda, Rheum, Rhodanthemum, 

Rhodiola, Rhodochiton, Rhodocoma, Rhodohypoxis, Rhodophiala, Rhynchospora, Rivina, 

Rodgersia, Rohdea, Romneya, Roscoea, Rosularia, Rubia, Rudbeckia, Ruellia, Rumex, 

Rupicapnos, Saccharum, Sagina, Sagittaria, Salvia, Sanguinaria, Sanguisorba, Santolina, 

Sanvitalia, Saponaria, Sarcandra, Sarracenia, Saruma, Satureja, Saururus, Saxifraga, 

Scabiosa, Scadoxus, Schaefferia, Schaueria, Schizachyrium, Schizostylis, Schoenoplectus, 

Scilla, Scirpus, Scleranthus, Scrophularia, Scutellaria, Sedum, Selliera, Semiaquilegia, 

Sempervivum, Senecio, Seseli, Sesleria, Sesuvium, Setaria, Sida, Sidalcea, Silene, 

Silphium, Sinacalia, Sinofranchetia, Siphonochilus, Sisyrinchium, Sium, Smilacina, 

Solandra, Soldanella, Soleirolia, Solidago, Solidaster, Sorghastrum, Sparaxis, 

Sparganium, Spartium, Sphaeralcea, Sphagneticola, Spigelia, Spodiopogon, Sporobolus, 

Sprekelia, Stachys, Stachytarpheta, Stachyurus, Stahlianthus, Stemodia, Stenomesson, 

Stenotus, Stephanotis, Stipa, Stokesia, Strelitzia, Streptocarpus, Streptopus, Stylidium, 

Stylophorum, Succisa, Sutera, Swainsona, Symphyandra, Symphyotrichum, Symphytum, 

Symplocarpus, Symplocos, Synthyris, Talinum, Tanacetum, Tapeinochilus, Tecomanthe, 

Telekia, Tellima, Telosma, Tephrosia, Tetradenia, Tetraneuris, Teucrium, Thalia, 

Thalictrum, Thelypteris, Themeda, Thermopsis, Thlaspi, Thymophylla, Thymus, 

Thysanolaena, Tiarella, Tithonia, Tolmiea, Townsendia, Trachelium, Trachelospermum, 

Trachystemon, Tradescantia, Triadenum, Tricyrtis, Trifolium, Trillium, Trimezia, 

Tripogandra, Tripsacum, Triteleia, Tritonia, Trollius, Tropaeolum, Tulbaghia, Turnera, 

Tussilago, Tweedia, Typha, Uncinia, Uniola, Urechites, Urginea, Uvularia, Valeriana, 

Vallisnera, Vancouveria, Verbena, Verbesina, Vernonia, Veronica, Veronicastrum, 

Vetiveria, Vicia, Viguiera, Vinca, Viola, Vitaliana, Wachendorfia, Wahlenbergia, 

Waldsteinia, Watsonia, Woodwardia, Xanthorrhoea, Xerochrysum, Xeronema, 

Xerophyllum, Xyris, Zantedeschia, Zephyranthes, Zingiber, Zizania, Zizia, Zoysia. 

(4) Foliage Plants

Perennial woody or herbaceous plants with various growth habits grown for their 

attractive foliar attributes and primarily for use as indoor plants.

This does not include small plants of this category grown as Liners.

Genera Included: Acineta, Adaglossom, Adiantm, Aechmea, Aeonium, Aerangis, 

Aeschynanthus, Aglaonema, Albuca, Alexanderara, Aliceara, Alocasia, Altermanthera, 

Amesiella, Ananas, Androlepis, Anemia, Angiopteris, Angraecum, Anhurium, Aphelandra, 

Arachnis, Araeococcus, Aranda, Arundina, Ascocenda, Ascocentrum, Asparagus, Aspasia, 

Aspidistra, Asplenium, Astrolepis, Astrophytum, Athyrium, Austrocylindropuntia, 

Bakerara, Barkeria, Beallara, Beaucarnea, Begonia, Bifrenaria, 
February 2024 FCIC-24070 17

14 Insurable Plants (Continued)

B. Plant Categories (Continued)

(4) Foliage Plants (Continued) 

Billbergia, Blechnum, Bletilla, Bollopetalum, Brassia, Brassidium, Brassoepidendrum, 

Brassolaeliocattleya, Bulbophyllum, Burrageara, Calanthe, Calamus, Carludovica, 

Catteya, Caularthron, Cereus, Chlorophytum, Cirrthopetalum, Cischweinfia, Cissus, 

Codiaeum, Codonopsis, Coelogyne, Colmanara, Columnea, Congea, Cordyline, 

Coryanthes, Cotyledon, Crassula, Cremnosedum, Crossandra, Cryptocentrum, Ctenanthe, 

Cyathea, Cycnoches, Cylindropuntia, Cymbidiella, Cypripedium, Cyrtomium, Davallia, 

Degarmoara, Dendrobium, Dendrochilum, Diaphananthe, Didymochlaena, 

Dieffenbachia, Diplazium, Disocactus, Doodia, Doritis, Dracaena, Dryopteris, Dyckia, 

Echinocatus, Echinocereus, Eleutherococcus, Encyclia, Epidendrum, Epigeneium, 

Epilaeliocattleya, Epiphyllum, Epipremnum, Episcia, Epithelantha, Eria, Eucharis, 

Ferocactus, Fittonia, Gibasis, Gongora, Goniophlebium, Goodyera, Grammatophyllum, 

Graptopetalum, Graptophyllum, Graptosedum, Graptoveria, Guzmania, Gymnocalycium, 

Gynura, Habenaria, Haworthia, Hemigraphis, Hemionitis, Hohenbergia, Houlletia, 

Howeara, Hoya, Humata, Hylocereus, Hypoestes, Iresine, Kalanchoe, Koellensteinia, 

Laelia, Laeliocatteya, Leea, Liparis, Lophocereus, Ludisia, Lygodium, Maclellanara, 

Macodes, Mammillaria, Maranta, Maxillaria, Medinilla, Microgramma, Microlepia, 

Microsorum, Miltassia, Miltonia, Miltonidum, Miltoniopsis, Mokara, Monstera, 

Mormodes, Myriopteris, Neobenthamia, Neobuxbaumia, Neoregelia, Nepenthes, 

Nephrolepis, Odontioda, Odontobrassia, Odontocidium, Odontoglossum, Odontonia, 

Oeoniella, Oerstedella, Oncidiinae, Oncidium, Onychium, Opuntia, Othonna, 

Pachycereus, Pachyphytum, Pachypodium, Pachyveria, Paphiopedilum, Papilionanthe, 

Parodia, Pediocactus, Pellaea, Pentagramma, Peperomia, Pereskia, Pescatorea, 

Phaiocalanthe, Phaius, Phalaenopsis, Philodendron, Phlebodium, Phoenicophorium, 

Phragmipedium, Pilea, Pitcairnia, Platycerium, Plectranthus, Pleurothallis, Polypodium, 

Polyscias, Portulacaria, Psychopsis, Pteris, Pyrrosia, Radermachera, Renanthera, 

Restrepia, Sch Rhipsalis, Rhynchostylis, Rodriguezia, Rumohra, Saintpaulia, Sanchezia, 

Sanderara, Sansevieria, Sarcoglottis, Schefflera, Schizanthus, Schlumbergera, 

Schomburgkia, Scindapsus, Sedeveria, Selaginella, Selenicereus, Sinningia, Sobralia, 

Sophronitis, Spathiphyllum, Spathoglottis, Spiranthes, Stanhopea, Stapelia, Stelis, 

Stenoglottis, Stenosarcos, Stromanthe, Syngonium, Tacca, Tetramicra, Tillandsia, 

Trevesia, Trichantha, Tricopilia, Vanda, Vandopsis, Vanilla, Vascostylis, Vriecantarea, 

Vriesea, Vrieslandsia, Vuylstekeara, Wilsonara, Withnerara, Xanthosoma, Zamioculcas, 

Zootrophion, Zygonisia, Zygopetalum. 

(5) Vines 

Perennial plants that have stems of a climbing or tenacious growth habit that can be 

herbaceous or woody.

This does not include small plants of this category grown as Liners or plants grown as 

Foliage Plants. 
February 2024 FCIC-24070 18

14 Insurable Plants (Continued)

B. Plant Categories (Continued)

(5) Vines (Continued) 

Genera Included: Actinidia, Adenocalymma, Akebia, Allamanda, Ampelopsis, Antigonon, 

Argyreia, Artabotrys, Beaumontia, Berberidopsis, Bignonia, Campsis, Cardiospermum, 

Celastrus, Chonemorpha, Clematis, Clytostoma, Cobaea, Convolvulus, Cryptostegia, 

Cydista, Cymbalaria, Dactylicarpnos, Dalechampia, Decumaria, Delairea, Distictis, 

Dolichandra, Hardenbergia, Hedera, Holboellia, Ipomoea, Keckiella, Lycianthes, 

Mandevilla, Mascagnia, Mikania, Norantea, Pandorea, Parthenocissus, Petraeovitex, 

Pileostegia, Podranea, Pseudogynoxys, Pyrostegia, Saritaea, Schisandra, 

Schizophragma, Stictocardia, Stigmaphyllon, Strongylodon, Strophanthus, Tetrastigma, 

Thunbergia, Tristellateia, Vigna, Vitis, Wisteria.

(6) Broadleaf Evergreen Trees and Shrubs

Perennial woody evergreen trees and shrubs that have leaves throughout the year. In 

temperate zone winters, some broadleaf evergreen trees and shrubs may lose their 

leaves; however, these broadleaf evergreen trees and shrubs remain insured as 

Broadleaf Evergreen Trees and Shrubs.

This does not include small plants of this category grown as Liners or plants grown as 

Foliage Plants.

Genera Included: Abelia, Abutilon, Acacia, Acalypha, Acantholimon, Acca, Adenanthera, 

Adenanthos, Adenium, Adenostoma, Agarista, Agave, Agonis, Alberta, Aloe, Alyogyne, 

Alyssoides, Amphitecna, Amyris, Andromeda, Anisacanthus, Anisodontea, Araucaria, 

Arbutus, Arctostphylos, Ardisia, Argusia, Arundinaria, Aspidosperma, Astragalus, 

Atherosperma, Atriplex, Aucuba, Avicennia, Azadirachta, Baccharis, Baeckea, Bahiopsis, 

Bambusa, Banksia, Barleria, Barringtonia, Bauhinia, Bejaria, Beschorneria, Bischofia, 

Bixa, Blighia, Bolusanthus, Bombax, Borinda, Boronia, Borrichia, Bougainvillea, 

Bourreria, Brexia, Breynia, Brugmansia, Brunfelsia, Brya, Bucida, Bulnesia, Bumelia, 

Buxus, Byrsonima, Caesalpinia, Callerya, Calliandra, Callistemon, Callistephus, Calluna, 

Calodendrum, Calophyllum, Calothamnus, Calotropis, Calyptocarpus, Calyptranthes, 

Camellia, Cananga, Canella, Cannomois, Cantua, Capparis, Carissa, Carmona, Carnegiea, 

Carpenteria, Cassia, Cassine, Castanospermum, Casuarina, Ceanothus, Cephalanthus, 

Cephalostachyum, Ceratonia, Cerbera, Cercocarpus, Cestrum, Chamaedaphne, 

Chamelaucium, Chimonobambusa, Choisya, Chorizema, Chrysophyllum, Chrysothamnus, 

Chusquea, Cibotium, Cinnamomum, Cistus, Citharexylum, Clerodendrum, Cleyera, 

Cliftonia, Clusia, Cnidoscolus, Coccoloba, Coculus, Coffee, Coleonema, Colletia, 

Comarostaphylis, Combretum, Condalia, Conocarpus, Conradina, Coprosma, Cordia, 

Cordyline, Coriaria, Cornutia, Corokia, Correa, Cortaderia, Corymbia, Cotoneaster, 

Couroupita, Cowania, Crescentia, Crinodendron, Crotalaria, Crowea, Cupaniopsis, Cyrilla, 

Cytisus, Daboecia, Damnacanthus, Daphne, Daphniphyllum, Dasylirion, Datura, 

Decodon, Dendrocalamus, Dendromecon, Derris, Desfontainea, Dianthera, Dicksonia, 

Dillenia, Dionysia, Distylium, Dodonaea, Dombeya, Doryanthes, Drimys, Dryandra, Dryas, 

Drynaria, Duranta, Elaeocarpus, Elsholtzia, Embothrium, Empetrum, Enkianthus, Epacris, 

Ephedra, Eranthemum, Eremophila, Erica, Ericameria, Eriobotrya, Eriocephalus,
February 2024 FCIC-24070 19

14 Insurable Plants (Continued)

B. Plant Categories (Continued)

(6) Broadleaf Evergreen Trees and Shrubs (Continued) 

Eriogonum, Erithalis, Escallonia, Eucalyptus, Eucryphia, Eugenia, Eumorphia, Eurya, 

Excoecaria, Eysenhardtia, Fabiana, Fagraea, Fargesia, Fatshedera, Fatsia, Ficus, Filicium, 

Frankenia, Fremontodendron, Freycinetia, Fuchsia, Furcraea, Galphimia, Galvezia, 

Gardenia, Garrya, Gaultheria, Geijera, Genipa, Genista, Gigantochloa, Gliricidia, 

Gmelina, Goethea, Gomphostigma, Gordonia, Grevillea, Grewia, Guadua, Guaiacum, 

Guapira, Guettarda, Gutierrezia, Gymnanthes, Hakea, Halimiocistus, Halimium, 

Haloragis, Hamelia, Harpephylium, Harpullia, Hebe, Helwingia, Hernandia, Hesperaloe, 

Hesperoyucca, Hesperozygis, Heteromeles, Hibanobambusa, Hibbertia, Hibiscadelphus, 

Hibiscus, Himalayacalamus, Holmskioldia, Homalocladium, Hymenaea, Hymenolepis, 

Hymenosporum, Hypelate, Ilex, Illicium, Indigofera, Indocalamus, Intsia, Iochroma, 

Isoplexis, Isopogon, Ixora, Jacquinia, Jasminum, Jatropha, Justicia, Kalmia, 

Kalmiadendron, Kalmiopsis, Kalopanax, Kigelia, Kopsia, Krascheninnikovia, 

Krugiodendron, Kunzea, Lagunaria, Laguncularia, Lantana, Larrea, Laurus, Lavandula, 

Lawsonia, Ledum, Leiophyllum, Lepechinia, Leptodermis, Leptospermum, Leucadendron, 

Leucaena, Leucophyllum, Leucophyta, Leucospermum, Leucothoe, Leycesteria, 

Ligustrum, Lipochaeta, Lisianthius, Lithocarpus, Lonchocarpus, Lophomyrfus, 

Lophostemon, Loropetalum, Luculia, Luma, Lyonia, Lyonothamnus, Lysiloma, 

Macaranga, Machilus, Maesa, Maireana, Malpighia, Malvaviscus, Mangave, 

Markhamia, Mastichodendron, Maytenus, Megaskepasma, Melaleuca, Melastoma, 

Melianthus, Menziesia, Meryta, Metapanax, Metrosideros, Millettia, Millingtonia, 

Mimosa, Mimusops, Monochaetum, Montanoa, Montezuma, Morinda, Muntingia, 

Murraya, Mussaenda, Myrcianthes, Myrica, Myristica, Myroxylon, Myrsine, Myrtus, 

Nandina, Nashia, Nectandra, Nemopanthus, Neohouzeaua, Neoregelia, Nerium, 

Newbouldia, Nolina, Noronhia, Ochna, Ochrosia, Olea, Olearia, Olineya, Oncoba, 

Osmanthus, Osmoxylon, Osteomeles, Otatea, Oxyspora, Ozothamnus, Pachira, 

Pachystachys, Pandanus, Parahebe, Parakmeria, Parkinsonia, Pavonia, 

Paxistima,Peltogyne, Philenoptera, Philotheca, Photina, Phygelius, Phyla, Phylliopsis, 

Phyllostachys, Picramnia, Pieris, Pimelea, Pimenta, Pipturus, Piscidia, Pisonia, 

Pithecellobium, Pittosporum, Platymiscium, Pleioblastus, Plumbago, Polyalthia, 

Polyspora, Posoqueria, Prostanthera, Protea, Pseuderanthemum, Pseudopanax, 

Pseudosasa, Psoralea, Psychotria, Pterocarpus, Pterospermum, Puya, Pyracantha, 

Quillaja, Randia, Rapanea, Rauvolfia, Reinwardtia, Rhaphiolepis, Rhaphithamnus, 

Rhizophora, Rhododendron, Ricinus, Rondeletia, Rosmarinus, Rothmannia, Ruscus, 

Ruspolia, Russelia, Ruta, Ruttya, Sageretia, Santalum, Saraca, Sarcococca, Sasa, 

Sasaella, Scaevola, Schinus, Schizostachyum, Securidaca, Sedoro, Semiarundinaria, 

Senna, Serissa, Sesbania, Severinia, Shepherdia, Shibataea, Sideroxylon, Simarouba, 

Sinobambusa, Skimmia, Sollya, Sparmannia, Spathodea, Stemmadenia, Stenocarpus, 

Sterculia, Streptosolen, Strobilanthes, Suriana, Sutherlandia, Swietenia, Sycoparrotia, 

Synadenium, Synsepalum, Syzygium, Tabernaemontana, Talipariti, Tamarindus, Tamarix, 

Tecoma, Tecomaria, Tectona, Telopea, Ternstroemia, Tetradium, Tetratheca, Tetrazygia, 

Thamnocalamus, Thespesia, Thevetia, Thryptomene, Thysostachys, Tibouchina, Tipuana, 

Tribulus, Trichilia, Trichosterma, Triphasia, Triplaris, Tristaniopsis, Trochodendron, Ugni, 
February 2024 FCIC-24070 20

14 Insurable Plants (Continued)

B. Plant Categories (Continued)

(6) Broadleaf Evergreen Trees and Shrubs (Continued) 

Umbellularia, Vauquelinia, Vestia, Viminaria, Westringia, Whitfieldia, Wikstroemia, 

Wrightia, Xanthorhiza, Xylosma, Yucca, Yushania. 

(7) Coniferous Trees and Shrubs

Perennial woody trees and shrubs that have needle-like or scale-like leaves that remain 

on the plant for several seasons.

This does not include small plants of this category grown as Liners or plants grown as 

Foliage Plants.

Genera Included: Abies, Afrocarpus, Agathis, Athrotaxis, Calocedrus, Cedrus, 

Cephalotaxus, Chamaecyparis, Cryptomeria, Cunninghamia, Cupressus, Fitzroya, 

Juniperus, Microbiota, Microcachrys, Nageia, Phyllocladus, Phyllodoce, Picea, Pinus, 

Platycladus, Podocarpus, Prumnopitys, Pseudotsuga, Saxegothaea, Sciadopitys, Sequoia, 

Sequoiadendron, Taxus, Thuja, Thujopsis, Tsuga.

(8) Deciduous Trees and Shrubs

Perennial woody deciduous trees and shrubs that lose their leaves seasonally.

This does not include small plants of this category grown as Liners or plants grown as 

Foliage Plants.

Genera Included: Abeliophyllum, Acer, Acrocarpus, Adansonia, Adina, Adonis, Aesculus, 

Aglaia, Albizia, Aleurites, Alnus, Alstonia, Amelanchier, Anacardium, Annona, Aronia, 

Artocarpus, Asimina, Astronium, Averrhoa, Berberis, Betula, Brachychiton, Brownea, 

Buddleja, Bulbine, Bursera, Butea, Callicarpa, Calycanthus, Caragana, Carica, Carpinus, 

Caryopteris, Casimiroa, Castanea, Castanopsis, Catalpa, Ceiba, Celtis, Cercidiphyllum, 

Cercidium, Cercis, Chaenomeles, Chilopsis, Chimonanthus, Chionanthus, Chitalpa, Citrus, 

Cladothamnus, Cladrastis, Clethra, Cochlospermum, Colvillea, Cornus, Corylopsis, 

Corylus,Cotinus, Crataegus, Cydonia, Dalbergia, Dasiphora, Davidia, Decaisnea, Delonix, 

Deutzia, Dichroa, Diervilla, Diospyros, Dimocarpus, Dirca, Disanthus, Edgeworthia, 

Elaeagnus, Ellioittia, Emmenopterys, Ensete, Enterolobium, Erythrina, Eucommia, 

Euonymus, Euscaphis, Exochorda, Fagus, Fallugia, Fendlera, Firmiana, Fontanesia, 

Forestiera, Forsythia, Fothergilla, Fouquieria, Frangula, Franklinia, Fraxinus, Garcinia, 

Gaylussacia, Geoffroea, Ginkgo, Gleditsia, Gymnocladus, Halesia, Hamamelis, 

Handroanthus, Havardia, Heptacodium, Hibiscus, Hippophae, Holodiscus, Hovenia, 

Hydrangea, Idesia, Itea, Jacaranda, Jaquemontia, Jamesia, Juglans, Kerria, Koelreuteria, 

Kokia, Kolkwitzia, Laburnocytisus, Laburnum, Lagerstroemia, Larix, Lavatera, Leitneria, 

Lindera, Liquidambar, Liriodendron, Litchi, Litsea, Lonicera, Maackia, Macadamia, 

Maclura, Magnolia, Malacomeles, Malus, Mangifera, Manihot, Manilkara, Melia, 

Metasequoia, Morus, Musa, Neolitsea, Neviusia, Nothofagus, Nyssa, Oemleria, 

Oplopanax, Ostrya, Oxydendrum, Parrotia, Parrotiopsis, Paulownia, Peltophorum, 

Peraphyllum, Persea, Phellodendron, Philadelphus, Physocarpus, Pinckneya, Pistacia, 
February 2024 FCIC-24070 21

14 Insurable Plants (Continued)

B. Plant Categories (Continued)

(8) Deciduous Trees and Shrubs (Continued) 

Plagianthus, Platanus, Platycrater, Plinia, Plumeria, Pongamia, Populus, Potentilla, 

Pouteria, Prosopis, Prunus, Pseudobombax, Pseudocydonia, Pseudolarix, Psidium, 

Psorothamnus, Ptelea, Pterocarya, Pterostyrax, Punica, Purshia, Pyrus, Quercus, 

Rhamnus, Rhigozum, Rhodotypos, Rhus, Ribes, Robinia, Rosa, Roseodendron, Rubus, 

Salix, Sambucus, Sapindus, Sapium, Sarcobatus, Sassafras, Schizolobium, Schotia, 

Sibiraea, Sinocalycanthus, Sinojackia, Sophora, Sorbaria, Sorbus, Spiraea, Spondias, 

Staphylea, Stephanandra, Stereospermum, Stewartia, Styphnolobium, Styrax, 

Symphoricarpos, Syringa, Tabebuia, Taxodium, Terminalia, Theobroma, Tilia, Toona, 

Ulmus, Ungnadia, Vaccinium, Viburnum, Vitex, Weigela, Xanthoceras, Zanthoxylum, 

Zelkova, Zenobia, Ziziphus.

(9) Palms

Perennial fibrous (woody-like) or herbaceous plants that can have a prostrate, trunkless 

or trunk-forming growth habit resulting in a solitary or cluster-type structure. Large 

palmately, pinnately or costapalmately compound evergreen leaves form from the main 

stem.

This does not include small plants of this category grown as Liners or plants grown as 

Foliage Plants.

Genera Included: Acoelorrhaphe, Acrocomia, Actinokentia, Aiphanes, Allagoptera, 

Alsmithia, Archontophoenix, Areca, Arenga, Asterogyne, Astrocaryum, Attalea, Bactris, 

Balaka, Barcella, Basselinia, Beccariophoenix, Bentinckia, Bismarckia, Borassodendron, 

Borassus, Bowenia, Brahea, Brassiophoenix, Burretickentia, Butiagrus, Calyptrocalyx, 

Calyptrogyne, Calyptronoma, Carpentaria, Carpoxylon, Caryota, Ceroxylon, 

Chamaedorea, Chamaerops, Chambeyronia, Chelyocarpus, Chigua, Chuniophoenix, 

Clinostigma, Coccothrinax, Cocos, Colpothrinax, Copernicia, Corypha, Cryosophila, 

Cyphophoenix, Cyrtrostachys, Deckenia, Dictyosperma, Dransfieldia, Drymophloeus, 

Dypsis, Elaeis, Euterpe, Gaussia, Geonoma, Gronophyllum, Guihaia, Hedyscepe, 

Heterospathe, Howea, Hydriastele, Hyophorbe, Hyphaene, Iguanura, Itaya, 

Johannesteijsmannia, Jubaea, Jubaeopsis, Kentiopsis, Kerriodoxa, Laccospadix, Latania, 

Leucothrinax, Licuala, Livistona, Lytocaryum, Marojejya, Masoala, Mauritia, Mauritella, 

Metroxylon, Microcycas, Nannorrhops, Nenga, Neovietchia, Nephrosperma, Oenocarpus, 

Orania, Oraniopsis, Pelagodoxa, Phoenix, Physokentia, Phytelephas, Pigafetta, Pinanga, 

Polyandrococos, Ponapea, Prestoea,Pritchardia, Pseudophoenix, Ptychococcus, 

Ptychosperma, Raphia, Ravenala, Reinhardtia, Rhapidophyllum, Rhapis, Rhopaloblaste, 

Rhopalostylis, Roscheria, Roystonea, Sabal, Salacca, Satakentia, Schippia, Serenoa, 

Socratea, Sommieria, Stangeria, Syagrus, Synechanthus, Tahina, Thrinax, Trachycarpus, 

Trithrinax, Veitchia, Verschaffeltia, Voanioala, Wallichia, Washingtonia, Wodyetia, 

Zombia.
February 2024 FCIC-24070 22

14 Insurable Plants (Continued)

B. Plant Categories (Continued)

(10) Cycads

Perennial evergreen plants that can have subterranean stems or these plants can 

develop an above-ground trunk of spongy tissue. Leaves are large, leathery and 

pinnately compound, and grow in a rosette on top of the trunk, or branches can form 

profusely at or below ground level from the main stem. 

This does not include small plants of this category grown as Liners or plants grown as 

Foliage Plants. 

Genera Included: Ceratozamia, Cycas, Dioon, Encephalartos, Macrozamia, Zamia. 

(11) Other groupings of plants as identified in the actuarial documents.

C. Insured Crop and Plants

(1) The insured crop will be all specific plants within all plant categories for CAT level of 

coverage, and within each insured plant category for additional level of coverage, and 

each insured practice and that:

(a) the insured has an insurable share;

(b) the AIP determines to be acceptable;

(c) are grown in a county for which a premium rate is provided in the actuarial 

documents; 

(d) are grown in an acceptable nursery as determined by the AIP;

(e) are irrigated (meeting the CP definition) unless otherwise provided by the SP. 

(Insured is required to have adequate irrigation equipment and water to irrigate 

all insurable nursery plants at the time coverage attaches and throughout the 

insurance period);

(f) are grown in accordance with the production and good nursery practices for 

which premium rates have been established;

(g) are grown in an appropriate medium;

(h) are grown and sold with the root system attached;

(i) are not stock plants or plants being grown solely for harvest of buds, flowers, or 

greenery;

(j) may produce edible fruits or nuts provided the plants are made available for sale 

(harvest of the edible fruit or nuts does not affect insurability);
February 2024 FCIC-24070 23

14 Insurable Plants (Continued)

C. Insured Crop and Plants (Continued)

(k) for the field grown practice, must be adapted to the hardiness zone recognized 

by the USDA Plant Hardiness Zone Map in which they are grown;

(l) were not damaged in a prior crop year unless such specific plants have been 

rehabilitated and are offered for sale at the approved sales value for the current 

crop year prior to insurance attaching, as accepted by the AIP;

(m) for the container grown practice, are individual plants grown in standard nursery 

containers unless otherwise permitted by the Special Provisions; and

(n) are not any plant classified by a state or county as illegal to grow or sell in the 

county in which the nursery is located. For example, growing or selling plants 

classified as invasive species is illegal in many states and counties. No indemnity 

will be paid on any such plant. Further, insurance shall not attach or be provided 

for any plant considered a controlled substance under the provisions of the Food 

Security Act of 1985 (Pub. L. 99-198) and the regulations promulgated under the 

Act by USDA.

(2) AIPs should assist insureds in determining the hardiness zone for growing locations in 

each county using the USDA’s interactive PHZM website, planthardiness.ars.usda.gov, or 

successor website.

(3) Plants grown in liners or containers with two or more different genera, species, 

subspecies, varieties, or cultivars of plants are not insurable.

(4) Nursery must follow “good nursery practices” as defined in the CP. Specific 

requirements for good nursery practices may be specified in the Special Provisions.

D. Eligible Plants Grown Under Irrigation

(1) Unless otherwise allowed in the SP, nurseries are required to be irrigated.

(a) Container grown plants require application of water as needed under good 

nursery practices.

(b) Field grown plants may require a less frequent application of water than 

container grown plants. The SP may allow a non-irrigated practice for field 

grown plants.

(2) There are various methods of irrigating.

(a) For the purposes of insurance, there must be an adequate supply of water and 

adequate equipment to deliver the water to the plants.
February 2024 FCIC-24070 24

14 Insurable Plants (Continued)

D. Eligible Plants Grown Under Irrigation (Continued)

(b) It must be determined at the time of an inspection that there is an adequate 

source of water and that the method and frequency of application is effective in 

maintaining the proper amount of moisture for the plants. Weather conditions 

and plant category also affect the required frequency and amount of water 

applied. In the event a water source fails or there is a failure or loss of irrigation 

equipment due to uninsured causes, an uninsured cause of loss appraisal will be 

performed. Examples would include failure of a well, public water shortage, 

breakdown of equipment, or inability to use tankers to transport water provided 

these were the result of uninsured causes of loss. Coverage will be provided 

only if there is a failure of the irrigation water supply due to an insurable cause 

of loss specified in Section 10 of the CP. ***

E. Plants Damaged Prior to the Attachment of Insurance

Any plant that was damaged prior to the date insurance attaches is uninsurable unless it has 

been rehabilitated and is offered for sale at the approved sales value.

The insured must maintain the identity of plants that were damaged prior to insurance 

attachment or as a result of a damaging event (whether or not the result of an insurable cause 

of loss). The insured must maintain an inventory including the number of all specific plants 

damaged and their location in the nursery and this inventory should be updated as changes in 

the status (e.g., death, rehabilitation, discounted sales, etc.) of individual plants occur. For 

container grown plants, the damaged plants may be moved to a well-defined location separate 

from undamaged plants. An alternative method would be to attach uniquely numbered 

weather-proof, indelible labels to each damaged plant. For very high value plants, Radio 

Frequency Identification tags might be used for this purpose. The AIP must evaluate the 

proposed method of preserving identity to determine if it is acceptable.

Failure to maintain the identity of damaged plants will result in the plants being uninsurable for 

the remainder of the crop year. If the insured made a claim in a previous crop year and the loss 

adjuster is unable to determine whether a plant was damaged prior to submission of the NVR 

for the current crop year, the plant will be uninsurable.

F. Insurability of Industrial Hemp (Cannabis sativa L.)

In accordance with Sections 8(h) and (i) of the CP, industrial hemp (Cannabis sativa L.), as 

defined in the Agricultural Marketing Act of 1946 (7 U.S.C. 1621 et seq.), is insurable under the 

Annual Plants and Plants One Year or Less Plant Category and only when grown in accordance 

with the regulations governing industrial hemp production on the land the industrial hemp is 

produced, when grown and sold with the root system attached and are not stock plants or 

plants being grown solely for harvest of buds, flowers, or greenery. 

(1) The insured must comply with all applicable Federal regulations and any applicable state 

or tribal laws. 
February 2024 FCIC-24070 25

14 Insurable Plants (Continued)

F. Insurability of Industrial Hemp (Cannabis sativa L.)

(2) Regardless of state or tribal law, the sale of hemp with a THC level greater than 0.3 

percent will be considered the sale of a controlled substance. Controlled substances are 

not insurable. 

(3) If the industrial hemp is produced in a state or tribal territory which has assumed 

regulatory responsibility for hemp production, the insured must comply with all 

requirements and provisions of the regulatory plan of that state or tribe and possess any 

license required by that plan. AIPs must obtain a copy of the insured’s license by the 

SCD to be kept in the insured’s file. 

(4) Industrial hemp must be produced using seed or plant cuttings adapted and appropriate 

for the intended use (for example, if planting industrial hemp to be harvested primarily 

for fiber, the seed must be adapted to fiber production). Industrial hemp that is 

unsalable or destroyed due to a delta-9 tetrahydrocannabinol (THC) level that exceeds 

0.3 percent will be considered damaged due to uninsurable causes.

15 Cause of Loss Limitations

In addition to the causes of loss excluded in Sections 12(a) and 12(c) through (f) of the Basic Provisions, 

the following are not covered causes of loss:

(1) damage to specific plants due to plant disease and insect damage are not covered unless there 

is no effective, appropriate control measure available, or unless otherwise specified in the SP. 

Horticulturists, extension agents, or agronomists may be used as experts in determining 

appropriate control measures; 

(2) the inability to market the specific plants due to a buyer not purchasing such plants, a boycott 

in the industry, or an order from a public official prohibiting sales such as a stop sales order, 

quarantine, or other limit that restricted sales; 

(3) a loss in plant value unless, due to an insurable cause, specific plants cannot be sold in the 

normal marketing periods (such as poinsettias that cannot be sold during the usual and 

recognized marketing period of November 1 through December 25); or

(4) damage to specific plants due to cold temperatures for insurable container grown plants, if 

grown without the appropriate cold protection. Refer to Exhibit 10 for appropriate cold 

protection requirements by plant category.

See Section 10 of the CP for additional limitations.
February 2024 FCIC-24070 26

16 Conditions of Acceptance

A. Inspection Report

(1) The inspection report must be completed prior to the acceptance of any application for 

insurance of a nursery crop, and at certain other times, as noted in Paragraph B below. 

The nursery inspection is conducted by the AIP to determine the acceptability of the 

nursery operation as an insurance risk.

(2) The inspection report is an active record and must be maintained until a new inspection 

is completed or the policy is no longer in force. There must be an inspection report in 

the insured’s file while the policy remains in effect. For new NVS policies, the AIP may 

accept an inspection completed for the previous crop year under the Nursery Crop 

Provisions.

(3) The AIP will review the inspection report and determine whether to bind coverage. In 

case of a negative inspection report, the AIP shall respond by choosing from the options 

under Paragraphs D and E below.

B. Inspection of Nursery Operations

(1) An inspection must be performed:

(a) when a policy is transferred from another AIP to determine if the:

(i) inventory amounts reported on the MUVP are appropriate based on 

visual inspection of the standing inventory, historical records, or a 

comprehensive business plan for new plant categories, numbers of 

plants, etc., and the limits are not exceeded as provided under the 

definition of SV in the CP;

(ii) SVs by plant category reported on the NVR are supported by acceptable 

documentation (if a plant category was not grown by the nursery before, 

state that in the remarks section);

(iii) risk is acceptable; and

(iv) insurability requirements are met (refer to Section 8 of the CP for 

additional information).

(b) when the insured submits a revised NVR, when the total of all SVs reported on 

the NVR is increased 50 percent or more from the previous total of all SVs on the 

NVR, and the increase is not due to restocking subsequent to an insured loss. If 

performed, the inspection is to determine that good nursery practices are 

followed and the nursery is capable of handling the increased SV.

(c) when a new practice is added to the operation. A practice cannot be added 

during a crop year.
February 2024 FCIC-24070 27

16 Conditions of Acceptance (Continued)

B. Inspection of Nursery Operations (Continued)

(d) when a new site or location is added to the operation.

(e) when an inspection has not been completed in the previous four crop years.

(f) as part of the documentation underlying a claim for indemnity.

(2) An inspection may be performed at any time to determine good nursery practices are 

followed, and that adequate, acceptable facilities exist to accommodate the inventory.

C. Completion of Inspection

The inspection must be completed timely enough to provide the AIP the opportunity to not 

accept the application, or cancel the policy, if necessary, before the coverage inception date as 

specified in Section 9 of the CP.

D. Negative Inspection Report

A negative inspection report requires one or more of the following actions:

(1) notify the applicant or insured in writing of any noted deficiency and, if the deficiency is 

not corrected and a loss occurs, that there are potential grounds for denying any claim 

based on the CP.

(2) notify the applicant or insured that on the basis of the negative inspection report and/or 

requirements of the CP and SP that:

(a) coverage is denied (cancel or do not accept the policy);

(b) coverage on damaged inventory is not accepted, while coverage is accepted on 

undamaged inventory;

(c) the location of the nursery presents unacceptable risk of loss due to flooding or 

some similar peril. Coverage will be denied unless measures are taken to 

improve drainage or protect the plants from damage (e.g., installation of pumps 

or elevation of plants to an adequate height off the ground). If required by the 

SP, the following limitation applies:

if, during any of the three most recent crop years, the insured incurred a paid 

crop insurance indemnity due to excess moisture or flood that was not 

associated with a named storm (hurricane, typhoon, or tropical storm named 

and designated as such by the National Oceanic and Atmospheric 

Administration’s National Hurricane Center, or its successor), the AIP will not 

insure against any future losses due to excess moisture or flood not associated 

with a named storm unless the insured makes improvements to his/her nursery 

to mitigate future losses from these perils.

(3) re-inspect the nursery to determine if the causes for denying a claim or coverage have 

been corrected.
February 2024 FCIC-24070 28

16 Conditions of Acceptance (Continued)

D. Negative Inspection Report (Continued)

The required inspection elements and required AIP actions in case of a negative report are:

Inspection Element Action (Negative Report)

Eligibility Deny coverage.

Accuracy of most recent catalog Review and determine if nursery catalog meets 

the requirements of Paragraph 13A. If catalog 

does not meet the requirements, then report is 

still negative and the catalog is not accepted.

Failure to provide documentation or 

providing inadequate documentation

Deny coverage on the unit.

Adequacy of Facilities:

(1) Inadequate Irrigation

When only a portion of the plants are irrigated 

and non-irrigated coverage is not allowed by the 

SP, deny coverage for all plants in the nursery.

The inspector must determine the requirements, 

adequacy, and availability of irrigation for all 

plants. Younger field grown plants and most 

containerized plants require more frequent water 

application than established field grown plants.

(2) Inadequate Cold Protection

For container grown plants, if the cold protection 

is inadequate, the AIP shall notify the nursery in 

writing that a loss from cold temperatures may be 

denied on the plants for which there is inadequate 

cold protection or deny all coverage.

(3) Existing Damage

Notice of potential grounds for denying a claim or 

denying coverage. If plant disease, insect 

infestation, or other plant damage is evident 

during the inspection, the AIP shall notify the 

nursery in writing that plants with existing 

damage are not insurable under NVS program. 

(4) Improper Container/Potting Medium Notice of potential grounds for denying a claim or 

denying coverage.

(5) Weeds Notice of potential grounds for denying a claim or 

denying coverage.

(6) High risk of Precipitation or Flood 

Damage

Notice of potential grounds for denying coverage. 

Deny coverage against excess moisture or flood 

damage if corrective action is not taken.
February 2024 FCIC-24070 29

16 Conditions of Acceptance (Continued)

E. Results of Any Negative Inspection

(1) In all cases, the AIP may choose to re-inspect. If the deficiency upon which a denial was 

based is corrected, an applicant may reapply for coverage. A 30-day waiting period will 

be applied to this subsequent application for new insureds. See Paragraph 3D for 

additional information about insurance attachment and timely responses correcting 

deficiencies.

(2) If plant damage is evident at the time of inspection, the inspector shall document the 

specific plants damaged, practices, type of damage, and number of damaged specific 

plants and advise the insured that such plants are not insurable. If necessary, the NVR 

must be adjusted.

(3) Some of the plants may be dormant at the time of the inspection and possible plant 

damage is evident, but the amount of the damage cannot be determined. The inspector 

shall document the plants with possible damage, practices, type of damage, and number 

of plants. Notify the insured in writing that a re-inspection will be performed after the 

plants break dormancy. If the re-inspection determines that the plants were damaged 

at the time of the original inspection, the plants are not insurable. Revisions to the NVR 

may be needed.

17 Unit Division

A. CAT Level of Coverage

For each insured practice, insureds may elect the CAT level of coverage. A basic unit under the 

CAT level of coverage consists of all insurable plant categories within each insured practice.

B. Additional Level of Coverage

A basic unit includes all insurable plants in each insured plant category under each insured 

practice. Basic units by practice may be further divided into additional basic units by using one 

of the following methods. The insured may choose only one method for all basic units in the 

insured practice:

(1) by plant category:

(a) a different level of coverage for each insured plant category may be selected.

(b) for the purposes of establishing the pre-loss actual unit value and the post-loss 

damage value, the insured is deemed to have selected 100 percent of the 

approved sales value of each specific plant.

(2) by non-contiguous land for the field grown practice, or the container grown practice if 

allowed by the SP.
February 2024 FCIC-24070 30

17 Unit Division (Continued)

B. Additional Level of Coverage (Continued)

(a) A non-contiguous land basic unit includes all insurable plants in all the insured 

plant categories under the field grown practice at a non-contiguous location.

(b) One coverage level must be chosen for all the non-contiguous land basic units in 

the county. 

C. Geographic Basis

Unit division on a geographic basis (i.e., different sections, FSNs, etc.) is not available for either 

CAT or additional level of coverage. Basic units by non-contiguous land are available at the 

additional level of coverage for the field grown practice, and, if allowed by SP, the container 

grown practice.

Optional, enterprise, and whole-farm units are not available under this program.

Exhibit 8 illustrates allowable unit division.

18 Amount of Insurance and Premium

Amount of insurance for each basic unit is used to calculate premium, crop year deductible, and the 

indemnity payable for the basic unit and is determined as follows:

A. CAT Level of Coverage Policies

The amount of insurance is the SV multiplied by the coverage level percentage (50 percent) 

multiplied by 55 percent (price election) and by the insured’s share. 

The SV for each insured practice cannot exceed the lesser of the following:

(1) 110 percent of the maximum value for all plant categories in any given month during 

any of the previous three crop years; or

(2) the maximum of the monthly values for all plant categories reported on the MUVP. At 

the time of an inspection, the nursery must provide inventory records to support the 

monthly values reported.

B. Additional Level of Coverage Policies

For policies that have elected basic units by plant category, the amount of insurance for each 

basic unit is the insured’s SV multiplied by the coverage level percentage that the insured elects 

multiplied by 100 percent (price election) multiplied by the insured’s share. 

For policies that have not elected basic units by plant category, the amount of insurance is the 

sum of the SVs for all insured plant categories multiplied by the coverage level percentage that 

the insured elects multiplied by 100 percent (price election) multiplied by the insured’s share.
February 2024 FCIC-24070 31

18 Amount of Insurance and Premium (Continued)

C. To Determine Premium

The amount of insurance for each basic unit is multiplied by the applicable premium rate and 

monthly proration factor, if applicable.

19 NVR

A. General Information

(1) The NVR is due at the time the initial application is submitted and at renewal. If the 

insured certifies in writing on the NVR there are no material changes from the previous 

year, a new MUVP does not need to be submitted. A material change occurs if the SV is 

greater than:

(a) for additional level of coverage policies, the expected maximum monthly value 

for the crop year; or

(b) for CAT level of coverage policies, for each insured practice, lesser of: 

(i) 110 percent of the maximum value for all insured categories in any given 

month during any of the previous three crop years; or

(ii) the maximum of the monthly values reported on the MUVP for that unit.

(2) An NVR is submitted by:

(a) new insureds, at the time of application.

(b) carryover insureds, on or before the SCD for the crop year. Coverage will attach 

for the crop year on June 1 for Alabama, Connecticut, Delaware, Florida, 

Georgia, Louisiana, Maine, Massachusetts, Maryland, Mississippi, New 

Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, 

South Carolina, Texas, West Virginia, Vermont, and Virginia, and October 1 for all 

other states, if the insured submits the NVR and catalog(s) for the crop year (see 

Paragraph 13A) by the SCD and the documentation is determined to be 

acceptable. A revised NVR is required to increase the SVs established under this 

item and a 30-day waiting period following such revisions will apply. ***

(3) AIPs, and their agents, may assist insureds in establishing their MUVP to support the SV 

reported on the NVR. Such support may include, but is not limited to, partition of 

inventory into plant categories, review of approved sales value calculations, review of 

monthly inventory plans, and considerations regarding selection of insured and 

uninsured plant categories.

(4) The NVR must include the following:

(a) all of the nursery’s growing locations in the county in which the insured has a 

share;
February 2024 FCIC-24070 32

19 NVR (Continued)

A. General Information (Continued)

(b) for each insured practice and basic unit, all insured plant categories and their SV;

(c) the coverage level for each basic unit; and

(d) share.

B. Pricing

As per the CP and depending on available data, each specific plant has an approved sales value 

based on, in order of precedence, the insured’s:

(1) average weighted wholesale price realized for past sales (not to exceed 1.5 times the 

catalog price for the specific plant, unless otherwise specified in the Special Provisions);

(2) the average contract price for future wholesale deliveries (not to exceed 1.5 times the 

catalog price for the specific plant, unless otherwise specified in the Special Provisions); 

or

(3) wholesale catalog price minus the largest discount (calculated as a percentage if the 

discount is recorded as a dollar amount) the insured provides (exception: the prices for 

plants grown under license from the holder of a patent issued by the US Patent and 

Trademark Office provided the license specifically establishes the required sales price 

are not discounted). If the insured’s catalog does not contain all applicable discounts, 

the wholesale catalog price for the specific plant will be decreased by 10 percent. 

C. Supporting Documentation 

(1) The AIP may request supporting documentation to verify the MUVP values reported on 

the NVR.

(2) The AIP should advise the insured that supporting documentation must be available to 

support the amounts stated on the NVR. The AIP may request these documents during 

the process of underwriting a crop policy and will request them for adjusting a loss:

(a) a detailed plant list that contains the name and the quantity of each specific 

plant; 

(b) acceptable sales records for use by the AIP in assessing the validity of the values 

contained in the MUVPs for each plant category; and 

(c) documentation or demonstrated performance of the insured’s ability to properly 

obtain specific plants and carry out good nursery practices related to the 

maintenance of the specific plants.
February 2024 FCIC-24070 33

19 NVR (Continued)

C. Supporting Documentation (Continued)

(3) After insurance attaches, failure to provide supporting documentation when requested 

will result in premium owed, but no indemnity paid for any plant categories where 

supporting documentation was not provided. This does not apply to: 

(a) plant varieties not previously grown; or

(b) new nurseries where an inspection has determined an insured has the ability to 

properly obtain and maintain the nursery stock.

(4) For basic units by non-contiguous land, records must be maintained by plant category 

and basic unit. If the records do not contain the location of the plants, the AIP must be 

able to verify the location of the plants.

D. NVR Revisions

The SV for each basic unit may be revised upward no more than twice during the crop year, and 

the additional premium will be prorated based on the time period remaining in the crop year. 

The revision can only be done to increase SVs, except as stated in Paragraph 19E below. A 

revised NVR must be submitted for each applicable basic unit.

(1) The NVR may be revised PRIOR to 30 days before the end of the crop year due to:

(a) changes in the nursery (increased growing area, inventory volume, or inventory 

value, etc.);

(b) restocking after an insurable cause of loss results in crop damage. The revised 

NVR in this case is not considered one of the two allowable revisions;

(c) clerical errors (The reason for the upward revision must be indicated in the 

remarks section of the NVR form stating, “revised upward for clerical error 

correction.”);

(d) acquisition of another nursery in the same county that did not have any crop 

insurance coverage on its plants. Plants of the same insured plant categories can 

be included in a revised NVR; however, new plant categories cannot be added;

and/or

(e) acquisition of another nursery in the same county that is currently insured. The 

terms of the Basic Provisions apply. The revised NVR in this situation is not 

considered one of the two allowable revisions.

(2) Increases in SV on revised NVRs are subject to the 30-day waiting period before 

insurance attaches. An inspection of the nursery may be conducted to determine good 

nursery practices are followed, and that adequate, acceptable facilities exist to 

accommodate the requested increase. If the insured increases the total of all SVs on the 

NVR: 
February 2024 FCIC-24070 34

19 NVR (Continued)

D. NVR Revisions (Continued)

(a) less than 50 percent from the previous total of all SVs on the NVR, the AIP has 

the discretion to inspect the nursery; or

(b) 50 percent or more from the previous total of all SVs on the NVR, the AIP will 

inspect the nursery.

E. Exception to Only Revising Upward

The AIP or insured may revise the NVR downward after SCD in order to correct clerical errors as 

allowed by the BP.

F. Other Requirements

AIPs must verify that the NVR is properly and correctly reported by inspecting documents 

submitted by the insured (see Paragraph 19C above) before completing any claim for 

indemnity. 

20 Written Agreements

Written agreements are not applicable to this pilot program.

21 Deductibles

A. Crop Year Deductible

(1) The crop year deductible is determined when the level of coverage is selected. It is 

equal to 100 percent minus the selected coverage level (e.g., 100% - 75% = 25%), the 

result of which is then multiplied by the SV reported for the basic unit.

(2) Once the crop year deductible is met, subsequent losses are not reduced by a 

deductible. 

(3) The crop year deductible may increase due to increases in SV on a revised NVR. If no 

loss has occurred for the crop year, the crop year deductible will be increased by an 

amount determined by multiplying deductible percentage by the increased SV. The 

deductible amount will not be increased in the event of restocking after a loss.

B. Deductible Percentage 

This is the amount determined by subtracting your elected coverage level from 100 percent.

C. Occurrence Deductible

Individual loss amounts are determined by applying an occurrence deductible.

(1) Occurrence deductible is the dollar amount of an insured loss which must be incurred 

before an indemnity becomes payable on the unit;
February 2024 FCIC-24070 35

21 Deductibles (Continued)

C. Occurrence Deductible (Continued)

(2) the occurrence deductible is calculated by multiplying the deductible percentage by the 

lesser of the:

(a) pre-loss actual unit value; or

(b) SV minus the total amount of any previous loss (for CAT level of coverage, the 

indemnity before application of 55 percent).

22 OLO Coverage

An insured with an additional level of coverage may elect to obtain supplementary coverage through 

the use of the OLO (where premium rates for the option are available).

(1) The OLO applies to all insured plant categories in each insured practice. All basic units within 

the insured practice(s), whether established by plant category or by non-contiguous land, will 

be insured under this option if it is elected.

(2) The option is continuous and must be elected on an application or policy change form.

(3) A new insured must elect this option at the time of application for coverage.

(4) A carryover insured must submit a policy change form on or before the SCD of the crop year 

that the OLO is to be effective.

(5) The insured or AIP may cancel the option according to the same cancellation provisions of the 

CP.

(6) An indemnity will be due under the OLO only when the post-loss damage value is equal to or 

greater than ten percent (10%) of the pre-loss actual unit value (unless otherwise specified in 

the SP). 

23-30 (Reserved) 
February 2024 FCIC-24070 36

EXHIBITS 

Exhibit 1 Acronyms and Abbreviations

Approved Acronym/Abbreviation Term

AIP Approved Insurance Provider

BP Basic Provisions

CAT Catastrophic Risk Protection Endorsement 

CIH Crop Insurance Handbook

CP Crop Provisions

DSSH Document and Supplemental Standards Handbook

FCIC Federal Crop Insurance Corporation

GSH General Standards Handbook

LASH Loss Adjustment Standards Handbook

MUVP Monthly Unit Value Plan

NVR Nursery Value Report

NVS Nursery Value Select

OLO Occurrence Loss Option

PHZM Plant Hardiness Zone Map

RMA Risk Management Agency

RO Regional Office

ROE Regional Office Exception

SCD Sales Closing Date

SP Special Provisions

SV Selected Value

ZMV Zero Market Value
February 2024 FCIC-24070 37

Exhibit 2 Definitions

Botanical name: The Latin, scientific, or legal form of a plant name. Parts of the name may be genus, specific 

epithet (species), subspecies, variety, and cultivar.

Common name: The name by which a plant may be known in everyday commerce.

Contract price: The price on contracts for future deliveries if the plant is insured and growing in the nursery 

during the insurance period.

Fabric grow bag: A fabric bag (including a woven or matted bag with a plastic or fabric bottom) used for 

growing plants in-ground or as an above-ground nursery plant container that provides adequate drainage and 

is appropriate in size for the plant.

Hardiness zone designations: Identifiers that represent the average annual extreme minimum temperatures 

at a given location during a particular time period found at https://planthardiness.ars.usda.gov/. 

Marketable: A plant that can be sold in a customary or secondary market for a non-zero value.

Monthly proration factors: Factors contained in the actuarial documents that are used to calculate premium 

when insurance attaches after the beginning of the crop year.

Percent of loss: Post-loss damage value divided by pre-loss actual unit value.

Wholesale: The sale of plants to retailers for resale and not directly to the end-user, except to end-users 

including but not limited to landscape contractors, government entities or organizations, and commercial fruit 

producers. 
February 2024 FCIC-24070 38

Exhibit 3 (Reserved)
February 2024 FCIC-24070 39

Exhibit 4 Nursery Value Report

INSTRUCTIONS FOR COMPLETION OF NVR

A. The following entries are required for the NVR. The sequence of the items on the form will 

be determined by the format selected by the AIP.

(1) For new insureds, this report must be completed at the time of application.

(2) For carryover insureds, this report must be filed on or before the SCD.

(3) This report may be revised by increasing the SV within acceptable limits until 30 days 

before the end of the crop year, although such revisions may only be made twice a year 

with exceptions noted in Paragraph 19D. 

(4) This report will include all growing locations in the county that represent the reported 

values the insured submits.

(5) This report may be used to increase values of already-insured plant categories to the 

inventory that have been restocked after a loss. This does not count as one of the two 

allowable revisions in (3) above.

(6) The price election on the NVR must always be 1.00 for additional level of coverage 

policies and 0.55 for CAT level of coverage policies. 

(7) Coverage level elections must be made on the application or policy change form.

(8) All required elements of the NVR (Paragraph 19) and any supporting documentation 

(e.g., sales records) requested by the AIP must be submitted before the NVR is 

considered complete.

(9) Document in the Remarks section, or in an attachment to the NVR:

(a) any uninsurable plants in insured plant categories to identify that these plants 

will not be insurable under the policy; and

(b) the methods that will be used to maintain the identity of these plants. See 

Paragraph 14E for guidance about methods of maintaining identity of plants.

B. Identifying the Insured

(1) insured’s name; 

(2) policy number; and

(3) street address, city, county, state, zip code of each nursery location in which the insured 

has an interest in the county. 
February 2024 FCIC-24070 40

Exhibit 4 Nursery Value Report (Continued) 

C. Underwriting Questions 

Downward revisions to the SV are not allowed after insurance attaches. Upward revisions are 

allowed if FCIC-approved guidelines are followed (refer to Section 6 of the CP and Paragraph

19D). For the year of application, if the insured applies for coverage after their county’s SCD 

(May 1 or September 1), coverage will begin after the start date of the crop year (June 1 or 

October 1 depending upon SCD in the county), subject to a 30-day waiting period.

Example: Application for after SCD

SCD Application First Day of 

2021 Crop Year

Insurance 

Attaches for 

2021 Crop Year

Last Day of 2021 

Crop Year

May 1, 2020 May 10, 2020 June 1, 2020 June 10, 2020 May 30, 2021

September 1, 

2020

September 10, 

2020

October 1, 

2020

October 11, 

2020

September 30, 

2021

Step Description of Required Action Entry Format

(1) Enter applicable three-digit practice code.

(2) Enter Crop Year.

(3) Indicate if this is a revised report. Circle Yes or No

(4) Enter Date.

(5) Has the nursery operation changed in the past year? (“Yes”

requires an inspection.)

Circle Yes or No

(6) Are all growing locations in the county insured? Circle Yes or No

(7) Has the insured provided catalogs? Circle Yes or No

(8) Has the insured elected basic units by plant category (additional 

level of coverage only)?

Circle Yes or No

(9) Has the insured elected basic units by non-contiguous land 

(additional level of coverage and field grown practice only unless 

otherwise allowed by the SP)?

Circle Yes or No

(10) Does the insured have plants with a previously filed claim and a 

deferred determination of damage? These are not insurable. 

(“Yes” answer requires an inspection.)

Circle Yes or No

(11) Does the insured have any insurable plants that were damaged 

during the prior crop year(s) that have not recovered to their full 

value? These are not insurable. If “Yes,” identify those plants & 

the quantity in Remarks section. (“Yes” requires an inspection.)

Circle Yes or No

(12) Does the insured have insurable plants that were damaged during 

the prior crop year(s) that have recovered to their full value? If 

“Yes,” identify those plants & the quantity in Remarks section.

Circle Yes or No
February 2024 FCIC-24070 41

Exhibit 4 Nursery Value Report (Continued) 

C. Underwriting Questions (Continued)

(13) Has the insured excluded plant categories that they do not wish to 

insure (additional level of coverage only)?

Circle Yes or No

(14) Does the insured have an inspection report on file that was 

completed within the past four crop years?

(“No” requires an inspection.)

Circle Yes or No

(15) Does the insured certify that there have been no material changes 

in the nursery operation or in the plant inventory since the 

insured submitted the prior NVR and that the SV remains equal to 

or less than the expected maximum monthly unit value? N/A is 

only applicable for new insureds.

Circle Yes, No, or 

N/A 

D. Reporting by Practice - For CAT Level of Coverage

Insureds must report on the NVR the highest inventory amount for all the insured plant 

categories in any of the preceding three crop years and the maximum of the monthly values 

reported on the MUVP.

E. Reporting by Basic Unit

The NVR requires a MUVP (refer to Exhibit 5) to be included with the NVR.

The NVR is by insured practice and basic unit. Separate reports are required for each insured 

practice and basic unit. Basic units may be elected by practice and share, and basic units by 

practice may further be divided by plant category for either insured practice or non-contiguous 

land for the field grown practice (and for the container grown practice if allowed in the SP). All 

insured plant categories are identified on the NVR. If the insured chooses basic units by plant 

category, the report will include only the plant category in that basic unit. If an insured chooses 

basic units by non-contiguous land or by practice and share, the report will include all the 

insured plant categories in that basic unit. All of the following are required on the NVR:

(1) county; 

(2) practice code; 

(3) plant category (For basic units by non-contiguous land or by practice and share, list all 

insured plant categories in the basic unit.);

(4) basic unit number (If the insured selects basic units by practice or non-contiguous land, 

each insured plant category will be assigned the same number. If the insured selects 

basic units by plant category, each plant category will have a different number.);
February 2024 FCIC-24070 42

Exhibit 4 Nursery Value Report (Continued)

E. Reporting by Basic Unit (Continued)

(5) total SV equals the sum of the total of the SV for each insured plant category in the unit; 

(6) amount of Insurance equals the sum of the total of (a) through (d) following for all 

insured plant categories in the unit:

(a) your SV for each plant category multiplied by; 

(b) the coverage level (for practices insured under non-contiguous land basic units, 

one level for all units) multiplied by; 

(c) price Level (100 percent for additional, 55 percent for CAT) multiplied by; and

(d) insured share.

(7) for CAT policies, the SV for each insured practice cannot exceed the lesser of:

(a) 110 percent of the maximum value for all insured categories in any given month 

during any of the previous three crop years; or 

(b) the maximum of the monthly values reported on the MUVP. At the time of an 

inspection, the nursery must provide inventory records to support the monthly 

values reported.

(8) Remarks: Enter information as needed (example, “revised upward for new location”).

F. Understanding by Insured

Verify the insured understands that: 

(1) only plant categories listed in the actuarial documents are insurable.

(2) one NVR is submitted for each basic unit.

(3) the values reported in the MUVP are based on the maximum value of all the specific 

plants in each insured plant category that the insured expects to be in the nursery each 

month of the crop year.

(4) for additional levels of coverage, not all plant categories in each insured practice must 

be insured. Insured may elect to exclude plant categories on the NVR.

(5) all insured non-contiguous land basic units must be insured at the same coverage level.

(6) indemnities will be based on the pre-loss unit value or the SV in the basic unit 

depending on which of these two values is smaller at the time of loss.
February 2024 FCIC-24070 43

Exhibit 4 Nursery Value Report (Continued)

(7) understands that indemnities will be influenced by inventory values in a plant category 

at the time of loss and that the insured is effectively self-insuring inventory whose value 

exceeds the SV.

(8) understands that only wholesale nurseries are eligible for coverage. The nursery must 

derive at least 40 percent of its gross income of plant sales from wholesale marketing of 

plants. 

(9) understands that supporting documents (Paragraph 19C) for values used on the NVR 

must be maintained and available for the AIP’s review for three crop years beyond the 

current crop year.

G. Signature by Insured

The NVR must be signed and dated by the insured. It is not acceptable to mark on the report 

“signature on file” or “report by telephone” or any other remark without the original signature 

of the insured. The applicable certification statement must be included on any form that the 

insured signs. See FCIC-24040 Document Supplemental Standards Handbook to determine 

applicable certification statement.

H. Signature by Representative

The agent must sign and date the NVR.

I. Required Statements

The Collection of Information and Data (Privacy Act) Statement and the Nondiscrimination 

Statement must be included on any form the individual signs or provided to the individual on 

separate form for each form that is signed by the individual. A copy must be maintained by the 

AIP. The Certification Statement must be included on any form that the insured signs that 

collects information from the insured. See the FCIC-24040 Document Supplemental Standards 

Handbook to determine the applicable statements to include on any forms.
January 2024 FCIC-24070 44

Exhibit 4 Nursery Value Report (Continued)

NVR - Example 
February 2024 FCIC-24070 45

Exhibit 5 Monthly Unit Value Plan

STANDARDS FOR COMPLETION OF MUVP

The following entries are required for the MUVP. The sequence of the items on the form will be 

determined by the format selected by the AIP.

(1) An MUVP is required for each basic unit and is included with each NVR the insured submits.

Note: An MUVP is not required if the insured certifies on the NVR that there are no 

material changes to the information reported on the MUVP.

Note: The example illustrates a MUVP form for states with a May 1 SCD. Begin the 

monthly listings with October for states with a September 1 SCD.

(2) For additional level of coverage, only plant categories that the insured elects to insure within an 

insured practice are included in this document. For CAT level of coverage, all plant categories 

within an insured practice must be included in this document. 

A. Identifying the Insured

(1) crop year; 

(2) policy number; 

(3) insured’s name; and

(4) street address, city, county, state, zip code of each nursery location in the county.

B. Underwriting Questions

(1) basic unit number; 

(2) applicable three-digit practice code; and

(3) plant category. 

C. Expected Inventory Values

(1) Each line of the table the insured identifies for a plant category, the monthly maximum 

expected value.

(2) If basic unit includes more than one insured plant category, the insured must establish 

an SV for each insured plant category.

(3) The SV shown on the NVR is obtained from the MUVP.

(4) The insured’s SV is limited to:

(a) for CAT level of coverage, for each insured practice, the lesser of:
February 2024 FCIC-24070 46

Exhibit 5 Monthly Unit Value Plan (Continued)

C. Expected Inventory Values (Continued)

(i) 110 percent of the maximum value for all plant categories in any given 

month during any of the previous three crop years; or

(ii) the maximum of the monthly values reported on the MUVP. 

(b) for additional level of coverage, for basic units:

(i) by plant category, the SV may not exceed the highest maximum value for 

the same plant category reported on your MUVP; or

(ii) not by plant category, the SV is the sum of the SV for each insured plant 

category reported on the MUVP. The SV for each insured plant category 

may not exceed the highest maximum value for the same plant category 

reported on the MUVP.
February 2024 FCIC-24070 47

Exhibit 5 Monthly Unit Value Plan (Continued)

Monthly Unit Value Plan, by Basic Unit – Example
February 2024 FCIC-24070 48

Exhibit 6 NVS Underwriting Inspection Report

The following entries are required for the Nursery Underwriting Inspection Report. The sequence of the items 

on the form will be determined to be the format selected by the AIP.

(1) Complete an inspection report for each location inspected.

(2) This report must be completed for all new applications or when the nursery meets any criteria 

contained in Paragraph 16B herein and must be completed within 30 days of the applicant’s signature 

date on the application or revised NVR.

A. Identifying the Insured

(1) crop year;

(2) basic unit number(s);

(3) practice for the unit;

(4) policy number;

(5) name of nursery and mailing address;

(6) name of owner;

(7) name of operator;

(8) name of agent/agency and phone number;

(9) legal description;

(10) location description, including physical address; and

(11) reason for report: See the Inspection section of this handbook.

B. Underwriting Questions

Flood/excess precipitation rating:

(1) is the nursery site susceptible to pooling of water due to flood or excess precipitation in 

the area(s) where plants are grown? Check “Yes” or “No.” If yes, describe in detail what 

precautions have been taken to protect the nursery stock.

(2) check the insured’s loss history for previous excess moisture claims for all crops.

(3) if there are low areas in the nursery, attach a map identifying those areas and consider 

not insuring those areas unless the plants are elevated. Appropriate precautions should 

be evident in the operation and marked in the Remarks section of the report.
February 2024 FCIC-24070 49

Exhibit 6 NVS Underwriting Inspection Report (Continued)

C. Irrigation Practice

(1) Describe in detail the irrigation water source.

(a) Surface water supply as a percentage of total supply. 

(i) Irrigation district name.

(ii) Allocation last year as a percentage of normal usage.

(iii) Expected allocation as a percentage of normal usage.

(iv) Water impoundment. State size and how many.

(v) Rivers/creeks. State number of months available as a supply.

(b) Irrigation well(s) as a percentage of total supply used.

(i) Irrigation district name.

(ii) Allocation last year as a percentage of normal usage.

(iii) Expected allocation as a percentage of normal usage.

(iv) Number of wells. Gallons per minute. Other supply (include size and 

number). 

(20 Type of irrigation method:

(a) Overhead; 

(b) Drip/Trickle System; or

(c) Other. Explain in Remarks section of the form.

D. Other Site Observations

(1) Describe in detail the fertilization program used and any special requirements by plant 

species.

(2) Describe in detail weed control measures.

(3) Describe in detail wildlife control measures.

(4) Do any plant species show evidence of insect or disease infestation? If so, document 

what is being done as control measures.

(5) Are plants being grown in appropriate growing medium according to accepted industry 

standards? 
February 2024 FCIC-24070 50

Exhibit 6 NVS Underwriting Inspection Report (Continued)

E. Frost and Freeze

(1) Is the location subject to above normal frost hazard for the county?

(2) Frost/Freeze protection, check and enter type:

(a) none; 

(b) sprinklers; 

(c) hoop house; 

(d) poly; 

(e) greenhouse; or

(f) heat. 

(g) Average number of times per year that frost protection is utilized?

(h) USDA Hardiness Zone for the growing location.

(3) Are adequate facilities available to meet cold protection requirements verified by 

agricultural experts? Note any deficiencies.

(4) By what date does the nursery normally complete cold weather protection of container 

plants? 

(5) By what date does the nursery normally remove cold weather protection for container 

plants? 

F. Additional Information

(1) Have the plants sustained previous damage and not been rehabilitated and offered for 

sale at the approved sales value? If so, describe. List in the Remarks section of the form 

or on a separate sheet, if additional space is needed, the name, number, size and value 

of each damaged plant. Plants with damage at the time of inspection are not insurable 

under NVS, but are to be documented.

(2) Are previously-damaged plants identified and segregated?

(3) Growing location map: Sketch a map or provide an FSA aerial photo showing the 

growing location in detail indicating other owned or share rented locations, landmarks 

and nursery crops grown by the insured.

(4) State the percentage of gross income derived from plant sales from wholesale and retail 

sales of nursery plants based on the calculation contained in Part 2, Paragraph 11. 
February 2024 FCIC-24070 51

Exhibit 6 NVS Underwriting Inspection Report (Continued)

F. Additional Information (Continued)

“Based on the calculation above, has the nursery derived at least 40 percent of its gross 

income of plant sales from the wholesale marketing of plants?” Check “Yes” or “No.” 

Explain and document what information was verified to determine the result of the 

calculation. Attach a separate sheet if necessary.

(5) Provide additional information and comments as necessary.

G. Inspector’s Evaluation

(1) The inspector’s evaluation of the management of the nursery as to whether it is above 

average, average, or below average.

(2) The inspector’s evaluation of the nursery facilities, operation, and adherence to good 

nursery practices as to whether it is above average, average, or below average.

(3) Inspector’s recommendation as to accept, not accept, or refer to AIP representative.

H. Signatures

(1) Inspector signs and dates on the date of inspection.

(2) AIP supervisor signs and dates on the date received and evaluated.

(3) Insured signs and dates on the date of inspection, acknowledging any uninsurable 

specific plants due to existing damage.
February 2024 FCIC-24070 52

Exhibit 6 NVS Underwriting Inspection Report (Continued)

Example
February 2024 FCIC-24070 53

Exhibit 6 NVS Underwriting Inspection Report (Continued)

Example (Continued)
February 2024 FCIC-24070 54

Exhibit 7 FCIC Container Sizes

Container sizes are determined on an actual volume basis for purposes of determining the size of the 

container. The FCIC container sizes and volumes are shown below. Use these standards if there is any 

question about the sizes in the insured’s catalog. 

FCIC Size Name Gallon 

Measurement 

Minimum

Gallon 

Measurement 

Maximum

Cubic Inch 

Equivalent 

Minimum

Cubic Inch 

Equivalent 

Maximum

Includes 

Standard ANSI 

Class

Pot 0.038 0.19 8.78 46.19 SP3

1 Quart 0.20 0.39 46.20 92.39 SP4

2 Quart 0.40 0.59 92.40 138.59 SP5

1 Gallon 0.60 1.37 138.60 318.77 1

2 Gallon 1.38 2.49 318.78 577.49 2

3 Gallon 2.50 3.39 577.50 785.39 3

5 Gallon 3.40 5.77 785.40 1,335.17 5

7 Gallon 5.78 8.49 1,335.18 1,963.49 7

10 Gallon 8.50 11.97 1,963.50 2,767.37 10

15 Gallon 11.98 17.49 2,767.38 4,042.49 15

20 Gallon 17.50 22.49 4,042.50 5,197.49 20

25 Gallon 22.50 29.79 5,197.50 6,883.79 25

30 Gallon 29.80 32.49 6,883.80 7,507.49 N/A

35 Gallon 32.50 37.49 7,507.50 8,662.49 N/A

40 Gallon 37.50 42.49 8,662.50 9,817.49 N/A

45 Gallon 42.50 47.49 9,817.50 10,972.49 N/A

50 Gallon 47.50 52.49 10,972.50 12,127.49 N/A

55 Gallon 52.50 57.49 12,127.50 13,282.49 N/A

60 Gallon 57.50 62.49 13,282.50 14,437.49 N/A

65 Gallon 62.50 67.49 14,437.50 15,592.49 N/A

70 Gallon 67.50 72.49 15,592.50 16,747.49 N/A

75 Gallon 72.50 77.49 16,747.50 17,902.49 N/A

80 Gallon 77.50 82.49 17,902.50 19,057.49 N/A

85 Gallon 82.50 87.49 19,057.50 20,212.49 N/A

90 Gallon 87.50 92.49 20,212.50 21,367.49 N/A

95 Gallon 92.50 97.49 21,367.50 22,522.49 N/A

100 Gallon 97.50 124.49 22,522.50 28,759.49 N/A

150 Gallon 124.50 174.49 28,759.50 40,309.49 N/A

200 Gallon 174.50 224.49 40,309.50 51,859.49 N/A

250 Gallon 224.50 274.49 51,859.50 63,409.49 N/A

300 Gallon 274.50 324.49 63,409.50 74,958.00 N/A
February 2024 FCIC-24070 55

Exhibit 8 NVS Catalog Checklist

NVS Pilot Catalog Checklist

Crop Year: _________________________________

Date of Review: _____________________________

Policyholder: _______________________________

Carryover Insured or New Insured: _______________________________

State: _____________________________________

County: ___________________________________

Policy Number: _____________________________

Nursery Name on Catalog (if different than insured name): _______________________________

Agent Name (not agency name): _______________________________

Servicing Company (AIP): ______________________________________

I have reviewed the attached, above-referenced catalog. For each minimum requirement, a “Y” 

indicates the minimum requirement has been met and “N” indicates the minimum requirement has 

not been met.

If an “N” is entered for one or more requirements in 1-5 below, the catalog is returned to the insured 

with written notice that the application for insurance is refused because the inventory or catalog is not 

acceptable. 

If a “Y” is entered for all requirements 1-5, one (1) copy of the catalog and a copy of this checklist are 

sent to the RO.

This catalog:

1.___ Is typewritten/printed and legible.

2.___ Shows an issue date on the cover page.

Enter issue date: ______________

3.___ Contains the name, address (excluding PO boxes), and phone number of the nursery.

4.___ Is provided to customers and used in the sale of plants.

5.___ Lists each plant’s name, plant or container size, and wholesale price.

6.___ Date the catalog was received is documented on catalog and checklist. 

Enter date received: ______________

___________________________________________ _____________
February 2024 FCIC-24070 56

Exhibit 8 NVS Catalog Checklist (Continued)

Name and Title of AIP Reviewer Date 

___________________________________________ ________________________

AIP Reviewer Email Address AIP Reviewer Phone Number
February 2024 FCIC-24070 57

Exhibit 9 Decision Tree for Unit Structure and Administrative Fees
February 2024 FCIC-24070 58

Exhibit 10 Cold Protection Assignments

For container grown plants, if required by Section 10(c)(3) of the CP or the SP, the following cold protection methods are required for each plant 

category.

Cold Protection Assignments Based on Plant Category Within Hardiness Zones and Minimum Temperatures 1, 2

Plant Category HZ 1 

-60o

HZ 2 

-50o

HZ 3 

-40o

HZ 4 

-30o

HZ 5 

-20o

HZ 6 

-10o

HZ 7 

0o

HZ 8 

+10o

HZ 9 

+20o

HZ 10 

+30o

HZ 11 

+40o

HZ 12 

+50o

HZ 13 

+60o

Liners: Annuals 3 A A A A A A A A A A R R R

Liners: Perennials 4 A A C C C D D F G K R R R

Annual Plants & Plants 

Grown for One Year or Less

A A A A A A A A A A R R R

Herbaceous Biennial and 

Perennial Plants

A B C D E H J K N P R R R

Broadleaf Evergreen Trees 

and Shrubs

A A C C F I J N N P R R R

Coniferous Trees and 

Shrubs

B B C D F I J N N P R R R

Deciduous Trees and Shrubs A B C D F I K N N P R R R

Vines A B C D E H J K N P R R R

Foliage Plants A A A A A A A A A A R R R

Palms A A A A A A A A J K R R R

Cycads A A A A A A A A A J R R R

1 Cold Protection Requirements assigned for Plant Category are based on Good Nursery Practices. Plants with a Hardiness Zone two Hardiness Zones warmer than the Grower’s 

Hardiness Zone are not insurable unless otherwise allowed by Special Provisions.

2 Refer to Exhibit 10 for the cold protection assignments in the matrix. 3 Liners consisting of Annual Plants, Palms, Cycads and Perennials grown as Annuals.

4 Liners consisting of Perennials other than Palms, Cycads and Perennials grown as Annuals.
February 2024 FCIC-24070 59

Exhibit 11 Operational Cold Protection Requirements

Ranked In Order of Most Protective to Least Protective

A. Glass, Lexan types, Polycarbonate sheeting or Double Translucent Poly Covered Walk-in 

Structure or an environmentally controlled building with plants standing up or lying down, with 

appropriate supplemental heat, humidity and irrigation to prevent cold, freeze, heat or 

desiccation damage.

B. Structureless Plant Bed with plants laid down and consolidated container-to-container, with 

Poly plus 8”-12” of Hay plus Poly plus 8”-12” of Hay completely covering the plants and 

containers.

C. Structureless Plant Bed with plants laid down and consolidated container-to-container, with 

Poly plus 8”-12” of Hay plus Poly completely covering the plants and containers.

D. Structureless Plant Bed with plants laid down and consolidated container-to-container with 

Poly and then 8”-12” of Hay completely covering the plants and containers.

E. Lexan type or Double Translucent Poly Covered Walk-in Structure with plants consolidated 

container-to-container, standing up or lying down, with thermo blanket (Fleece Fabric, Micro 

Foam, Spun-bound Fabric) completely covering the plants and containers.

F. Below Ground Pot-in-Pot System with adequate drainage to prevent water logging and excess 

salt accumulation.

G. White Poly Covered Low Hoop House, Cold Frame or Walk-in Structure with plants consolidated 

container-to-container, standing up or lying down, with thermo blanket (Fleece Fabric, Micro 

Foam, Spun-bound Fabric) completely covering the plants and containers.

H. Structureless Plant Bed with plants laid down and consolidated container-to-container, with 

thermo blanket (Fleece Fabric, Micro Foam, Spun-bound Fabric) plus White Poly completely 

covering the plants and containers.

I. Structureless Plant Bed with plants standing up and mulched with woodchips between 

containers and 6”-12” above the containers.

J White Poly Covered Low Hoop House, Cold Frame or Walk-in Structure with plants consolidated 

container-to-container, standing up or lying down, plus White Poly completely covering the 

plants and containers.

K Structureless Plant Bed with plants laid down covered with thermo blanket (Fleece Fabric, 

Micro Foam, Spun-bound Fabric) completely covering the plants and containers.

L. White Poly Covered Low Hoop House, Cold Frame or Walk-in Structure with plants consolidated 

container-to-container, standing up or lying down.
February 2024 FCIC-24070 60

Exhibit 11 Operational Cold Protection Requirements (Continued)

M. Structureless Plant Bed with plants laid down with White Poly completely covering plants and 

containers. Care must be taken to avoid foliar damage.

N. Structureless Plant Bed with plants consolidated container-to-container standing up with the 

entire perimeter of the bed wrapped to the height of the container with a thermo blanket or 

similar material.

O. Shade Structure with shade fabric or woven translucent fabric and an Irrigation System capable 

of coating the structure with ice to form a “Tent of Ice”. 

P. Overhead Irrigation System equipped with sufficient sprinklers, water volume and water 

pressure to provide complete coverage of all plants throughout the duration of potential frost 

damage.

Q. Smudge Pots, Portable Heaters and/or Wind Machines with sufficient capacity to provide 

protection for all plants throughout the duration of potential frost damage.

R. No Protection.