Does my business’s policy insure the grower’s crop?
Do not assume that a commercial policy for your company insures a customer’s crop or replaces federal crop insurance. The cited crop guidance concerns eligible insured producers and specified crop, county, timing, and cause conditions.
Prevented-planting eligibility depends on the insured crop and county, planting dates, insured cause, and applicable policy terms. The grower should check crop-specific rules with their agent.2
For your own exposure, describe what your product or field work could damage and ask whether the proposed liability form addresses bodily injury or property damage. Crop-loss, performance, and recall questions need explicit answers in the proposed terms.1
Read the Agriculture Insurance Buying Guide
Sources and Further Reading for Agriculture
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