Are your Nuts Insured? G. Stan Kearby Insurance has you covered!

The Yuba-Sutter area is rich in agriculture and provides 75 percent of its acreage to fruit and nut crops.  As an insurance company who recognizes the importance of stimulating our local economy we found it imperative to provide local agricultural producers with crop and farm insurance.  From the day we opened our doors until now, we are proud to say that the farming community makes up the majority of our clientele.  We enjoy providing them with the right coverage for their valuable crops and farms, at the right price!  

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When it comes to explaining the insurable crop and eligibility requirements there are a few elements to consider.   For starters, it is important to recognize that crop insurance is separate from a farm insurance policy because there are time limits in which the farmer can purchase the insurance.  For example, when it comes to insuring your nuts, January 1st is the deadline.

The two most common nuts grown in our community are almonds and walnuts. We will use these two varieties of nuts to explain the process of proceeding with nut crop insurance.


The fruit of the almond is a stone fruit, meaning it consists of an outer hull and a hard shell with the seed inside.  Almond trees begin bearing an economic crop in the third year after planting, and reach their full bearing in five to six years. The fruit  begins to flower in early spring and fully matures in autumn.  During its various stages of growth the almond crop can be attacked by an array of damaging organisms, including insects, fungal pathogens, plant viruses and bacteria.  Organic threats as well as unpredictable weather and wildlife are good examples of why it's important to evaluate your risk, and consider an affordable crop insurance plan that will protect your crops.

Insurable crop and eligibility requirements:

  1. Acreage must be irrigated and the trees must have reached the 6th growing season after being set out (can insure 5th leaf with written agreement)

  2. Growers must insure all eligible almonds acres in the county in which they receive a share of the crop.  When orchards are rented on the crop share, either the landlord or operator, or both can insure their share in the crop.

Insured cause of loss:

  1. Any adverse weather resulting in damage to the bloom, poor pollination, lack of production, or damage to the almonds on the tree or on the ground for harvesting, such as cold wet weather frost, hail, wind excessive heat or rain

  2. Wildlife birds or non domesticated animals

  3. insect’s and plant diseases unless improper application or control measures

Production Guarantee:

  1. Guarantees are based on the average of delivered production of total meat pounds from the acreage for up to the past 10 crop years

  2. For young orchards or those with less than 4 years of productions records, the average yield will be established by inspection and area average yields for similar orchards

  3. The maximum coverage level available is 75% of the approved average yield as established by verifiable production records from the orchard. 50% 55% 60% 65% 70% coverage levels are also available

  4. Unit guarantee: actual insurance coverage is by unit, not by acre.  The unit guarantee is the per acre average yield multiplied by the coverage level % multiplied by the number of acres in the almond insurance unit.

  5. Owned or cash rented almond orchards, that are not separated by land owned by other people, will be considered a lone unit for insurance.

  6. Almonds orchards rented on a crop share, and orchards that are separated by land owned by other people, will be considered as separate insurance coverage units, provided records of past production have been maintained for each proposed unit.


The fruit of the walnut is also considered a stone fruit as it contains a thick green outer husk that encases the walnut shell.  Inside the shell are the kernels which are in two halves and known as shelled walnuts. Walnut trees grow best in rich, deep soil with exposure to the full sun and long summers, just like the climate in the Yuba-Sutter and surrounding areas.

Walnuts begin bearing fruit between three to five years of age and are fully mature after the 7th growing season. English walnuts are self-pollinating in the spring and throughout the summer the green outer husk will continue to grow.  The nuts are usually ripe by mid October and ready for harvest.  Walnut twig beetles and thousand cankers disease are just two threats that can disrupt a successful walnut crop, making a solid crop insurance plan a smart preventative measure to thwart possible losses.

Crop insurable eligibility requirements:

  1. English walnuts only (no black walnuts)

  2. 90% of trees must have reached the 7th growing season after being set out

  3. Minimum of 5 acres per unit

Insured cause of loss:

  1. Any adverse weather resulting in damage to the bloom, poor pollination, lack of production, or damage to the walnuts on the tree or on the ground during harvest (ie: rain, frost, hail, heat, wind

  2. Insects and plant disease with proper disease and pest control measures

  3. Wildlife birds, earthquake and fire

  4. Failure of the irrigation water supply source occurring after March 1st

Yield Production Guarantee:

  1. Yield guarantee is based on the average of past delivered actual production history (APH) of total dry in the shell net pounds from the acreage to be insured,  coverage levels: 50%, 55%, 60%m 65%, 70% 75%

We have been writing farm insurance and crop insurance for the past 47 years and we believe we have a good handle on what farmers need, and can provide them with the best possible protection.  Although not every farmer chooses to purchase crop insurance, half of our business is farming related, and we like it that way!

Connect with us today so we can get you quoted!