The Ministry of Agriculture, Livestock and Supply (Map), published on Monday (13) Resolution 76, the Interministerial Steering Committee of Rural Insurance, which approved the inclusion of banana culture in the pilot grant project to the rural insurance premium for operations framed in the National Program for Strengthening Family Agriculture (Pronaf). In addition to bananas, the crops of corn 1st crop, soybeans, apples and grapes were already planned under the Rural Insurance Program (PSR), in 2020.
The objective of this specific initiative to include banana cultivation in the pilot project is to enable the hiring of rural insurance with a larger subsidy for pronaf family farmers, many of them affected by weather, especially the "bomb cyclone" that affected banana production and other activities in Santa Catarina, Rio Grande do Sul and Paraná. In addition, mapa is studying, together with the Ministry of Economy and financial institutions, other measures that should be adopted in aid of producers affected by the cyclone bomb.
Jorge Marangoni, president of the Federation of Associations and Cooperatives of Banana Producers of Santa Catarina (Febanana-SC), explains that bananas as a perennial fruit suffer from climate abnormalities such as hail or strong winds, which directly affect productivity, such as that caused by the bomb cyclone. "Despite adopting measures to increase productivity, only agricultural insurance can help the producer in climate adversity, because losses affect income generation for a long period," he concludes.
For Elaine Muller, producer in Corupá-SC, and director of Febanana, the climatic advents are increasingly intense and unpredictable and the producer can not count on luck. "The hiring of agricultural insurance is intended to bring a guarantee to the producer not to lose the sale of production entirely," he explains.
In this pilot project, producers with rural credit operations included in Pronaf can access agricultural insurance from July to mid-September with a 60% subsidy for bananas, apples and grapes. The other producers, who do not access or are not included in Pronaf, can also access agricultural insurance with a subsidy of 40% of the premium in these crops.
For soybeans and summer corn, in the pilot project the subsidy is 55%, and the pronaf producer has a multi-risk insurance (for various climatic risks), with a minimum coverage level of 70% of the stipulated productivity. For producers who do not access or are not included in Pronaf, the subsidy is 20% to 30%, depending on the type of insurance and coverage.
To participate in the project, the rural producer must hire an insurance policy in one of the 14 insurers authorized in the PSR, when hiring rural credit in his financial institution. Resources will be made available in a staggered manner between July and September.
Summary of the pilot project:
- Budget: R$ 40 million (corn 1st crop/soybean) + R$ 10 million (banana/apple/grape).
- Scope: national.
- Activities: corn 1st crop, soybeans, banana, apple and grape.
- Percentage of differentiated premium subsidy (fixed): corn 1st crop/soybean (55%) and banana/apple/grape (60%)
- Type of cover: multi-risk (corn 1st crop/soybean)
- Minimum level of expected productivity coverage: 70% (corn 1st crop/soybean)
Contracting rural insurance
The producer who has an interest in contracting rural insurance should look for a broker or a financial institution that commercializes rural insurance policy. Currently 14 insurers are qualified to operate in the PSR. The economic subsidy granted by the Ministry of Agriculture may be claimed by any natural or legal person who cultivates or produces species contemplated by the Program. For grains in general, the percentage of premium grant can vary between 20% and 40%, depending on the crop and type of coverage contracted. In the case of fruits, olive, sugarcane and other modalities (forests, livestock and aquaculture) the percentage of subsidy to the premium will be fixed at 40%.