Agricultural insurance 2026: medlar, kiwi, fig and other fruit trees — conditions and prices

Key data

Farmers of eight fruit species have had since August 15, 2026 an updated technical and economic framework for contracting their agricultural insurance. Order APA/865/2026 defines exactly what can be insured, under what conditions and at what price, within the Combined Agricultural Insurance Plan. The regulation will also apply to the 48th Combined Agricultural Insurance Plan.

The message for any affected farm is clear: review the unit price annex and subscription dates before the contracting period closes. Once the deadline has passed, there is no possibility of joining the coverage for that campaign.

What does this regulation establish?

Order APA/865/2026 regulates three major blocks for farms of the eight included fruit species:

1. Insurable assets

The regulation distinguishes three types of assets that can be covered by insurance:

• Production: the harvest obtained in the campaign.
• Plantations: the value of the trees or crop itself.
• Facilities: support infrastructure for the farm, specifically hail protection systems, irrigation systems and windbreak structures.

There is a binding condition for facilities: they can only be insured if production and plantation are also insured simultaneously. It is not possible to contract facility coverage in isolation.

2. Included species

3. Express exclusions

The following situations are outside the scope of coverage:

• Experimental plots.
• Plots in a state of abandonment.
• Crops intended exclusively for self-consumption.
• Farms with isolated trees (without productive continuity).

4. Minimum technical cultivation conditions

The regulation establishes minimum conditions that the farm must meet in order to subscribe to insurance. Compliance is a prerequisite for contracting. The specific technical details by species are found in the full text of the order and its annex.

5. Unit prices and subscription dates

The unit prices of insurance and the subscription deadlines for each species are included in the annex of Order APA/865/2026. The regulation does not publish single global figures, but rather the amounts vary by species, type of insured asset and scope of application. It is essential to consult the annex directly in the official BOE text to know the price applicable to each specific farm.

Economic and operational impact

The direct impact of this regulation is economic and risk management. Without valid insurance, any loss event—hail, frost, drought or other covered event—means assuming the entire loss of production, plantation or facilities without compensation.

The points of greatest operational relevance are:

• Mandatory coverage linkage: whoever wants to protect their facilities (hail protection, irrigation, windbreaks) must also contract production and plantation. This may increase the total premium compared to partial coverage, but guarantees comprehensive protection.
• Exclusions that may surprise: a plot that in practice is managed as self-consumption or that is in a state of semi-abandonment may be excluded even if the farmer declares it. It is advisable to review the actual condition of each plot before subscribing.
• Application to the 48th Plan: the regulation extends to the 48th Combined Agricultural Insurance Plan, ensuring coverage continuity beyond the immediate fiscal year.
• Prices in the annex: unit prices determine the final cost of the premium. Reviewing them before the subscription date allows you to compare the cost of insurance with the value at risk of the farm.

Who does it affect?

• Farmers and owners of medlar farms.
• Producers of kiwi.
• Farms of fig.
• Producers of chestnut with commercial orientation.
• Farms of pomegranate.
• Producers of quince.
• Farms of blackthorn.
• Producers of jujube.
• Agricultural advisors, management firms and cooperatives that process insurance for any of these farms.
• Insurance companies and agricultural insurance brokers operating within the Combined Agricultural Insurance Plan.

Practical example

A farmer with a commercial kiwi farm that has an irrigation facility and a hail protection network wants to insure his farm for the 2026 campaign.

According to Order APA/865/2026, for the facilities (irrigation and hail protection) to be covered, he must also mandatorily contract production and plantation coverage. He cannot insure only the facilities.

Before subscribing, he must verify that his plot is not in a state of abandonment or self-consumption, and that it meets the minimum technical cultivation conditions required by the regulation for kiwi. Next, he must consult the annex of the order to know the unit price applicable to his farm and the subscription deadline so as not to be left without coverage this campaign.

If hail destroyed his harvest without valid insurance, the loss would be total and without compensation. With insurance correctly contracted, coverage would be activated according to the guarantee period defined in the regulation.

What should farmers do now?

1. Identify if your species is included: check if you grow medlar, kiwi, fig, chestnut, pomegranate, quince, blackthorn or jujube with commercial orientation. If so, this regulation directly affects you.
2. Review the condition of your plots: exclude those that are in abandonment, are for self-consumption or have only isolated trees, as they are excluded from coverage.
3. Verify minimum technical cultivation conditions: consult the text of Order APA/865/2026 to confirm that your farm meets the prerequisites for contracting.
4. Consult the unit price annex: access the official text on the BOE to know the unit price applicable to your species and type of insured asset.
5. Respect coverage linkage: if you want to insure facilities (hail protection, irrigation, windbreaks), remember that you must also contract production and plantation in the same insurance.
6. Subscribe before the deadline: check in the annex the subscription date for your species and contract before the deadline expires. After that date, you will not be able to join the coverage for this campaign.
7. Coordinate with your advisor or brokerage: if you manage several plots or different species, consider doing so with professional support to optimize coverage and premium cost.

Official source

Consult complete regulation in official source

Notice: This article is for informational purposes only and does not constitute legal advice. For specific decisions, consult a qualified professional. Source: https://www.boe.es/diario_boe/txt.php?id=BOE-A-2026-17820