Olive crop insurance 2027-2030: coverage, conditions and prices for olive growers

Key data

Spanish olive growers have new reference regulations to plan their risk coverage over the next four years. The Order APA/862/2026, published on August 14, 2026 in the BOE, precisely defines what can be insured, under what technical conditions and at what unit prices within the Combined Agricultural Insurance Plan. The regulation enters into force on the same day of its publication and covers two consecutive plans: the 47th and the 48th.

For any olive growing operation, this order is the key document when negotiating the policy with Agroseguro and sizing the cost of insurance in the annual budget.

What does this regulation establish?

The order regulates insurance for olive growing operations in three major blocks: insurable assets, minimum technical cultivation conditions and unit prices. Below are the key elements:

Insurable assets

• Production of olives (for mill, table or mixed use)
• Olive plantations
• Irrigation facilities associated with the operation

Insurance modules

Differentiation by use and type of cultivation

Express exclusions

The following olives are excluded from the scope of insurance:

• Scattered olives (not integrated into organized operation)
• Olives in situation of abandonment
• Olives intended for experimentation

Coverage by plans

Registry registration requirement

To be able to subscribe to insurance, the owner of the operation must be registered in one of these registries:

• SIGPAC (Geographic Information System of Agricultural Plots)
• REGEPA/SIEX (General Registry of Agricultural Operations / Information System of Operations)

Economic and operational impact

The update of unit prices is the element with the greatest direct impact on the profit and loss account of any olive growing operation. These prices determine the basis on which the insurance premium is calculated, so any variation directly affects the annual cost of coverage.

The distinction between rainfed and irrigated and between the uses mill, table and mixed means that there is no single price: each operation must identify its exact category to know the applicable unit price and calculate its actual premium.

From an operational perspective, the regulation requires verification that the operation meets the minimum technical cultivation conditions required. If these are not met, the operation falls outside the insurable scope, which means assuming the risk of crop loss without coverage.

The coverage of irrigation facilities as an insurable asset is a relevant element for irrigated operations, as it allows protection of a significant investment against weather-related claims or other covered risks.

Who does it affect?

• Owners of olive growing operations in Spain with production intended for mill, table or mixed use
• Farmers in rainfed and irrigated areas with olives in active and organized operation
• Cooperatives and agricultural societies that manage collective olive growing operations
• Agricultural advisors and operation managers who plan risk coverage for their clients
• Financial entities and insurers (especially Agroseguro) that operate in combined agricultural insurance

Owners of scattered olives, abandoned olives or those intended exclusively for experimentation are not affected, as they are expressly excluded from the scope of application.

Practical example

An olive grower from Jaén with an olive operation in irrigated cultivation intended for mill use, correctly registered in SIGPAC, wants to insure their production for the 2027/2028 harvest.

Under Order APA/862/2026, this owner can subscribe to insurance within the 47th Combined Agricultural Insurance Plan, contracting both the main module and the supplementary module if deemed appropriate. The applicable unit price will be the one corresponding to the combination "irrigated + mill use", which will determine the basis for calculating their premium.

If the same operation had olives in a situation of abandonment in any of its plots, those olives would be excluded from insurance and would not count in the calculation of insurable production. The olive grower should ensure that only plots in active production and with minimum technical conditions met are declared.

For the 2028/2029 harvest, this same owner could be covered simultaneously under the 47th and 48th Plan, as both include that campaign in their scope of application.

What should olive growers do now?

1. Verify registration in SIGPAC or REGEPA/SIEX: without this requirement, it is not possible to subscribe to insurance. Check that the operation data is up to date and correct.
2. Identify the use and type of cultivation: determine whether your production is for mill, table or mixed use, and whether the cultivation is rainfed or irrigated. This defines the applicable unit price and the most appropriate insurance module.
3. Review minimum technical cultivation conditions: ensure that the operation meets the technical requirements required by the order to be eligible. Plots that do not meet them will be excluded.
4. Exclude ineligible plots: identify and separate scattered olives, abandoned olives or those intended for experimentation, which cannot be included in the insurance declaration.
5. Consult updated unit prices with Agroseguro: request premium calculation for harvests 2027/2028 and following, distinguishing main and supplementary modules, to incorporate it into the operation's financial planning.
6. Plan subscription within established deadlines: the order sets specific subscription dates for each plan. Consult with your agricultural insurance broker to not miss the contracting period.

Official source

Consult complete regulation at official source (BOE-A-2026-17752)

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-2026-17752