Crop dusting involves the aerial application of chemicals over agricultural areas, and like any other agricultural operation that relies on fertilizers, pesticides, herbicides or insecticides, this activity can be dangerous and present various liability and property damage risks.
Some of the risks associated with aerial spraying include:
- Environmental contamination
- Human health concerns
- Equipment malfunction
- Unsuitable weather conditions
- Regulatory compliance
In addition, crop dusters or aerial applicators need insurance to protect their aircraft as well as safeguard themselves against claims resulting from bodily injury, property damage, or other losses caused to third parties due to the use of the aircraft or arising from their operations.
Aerial Spraying Insurance helps protect crop dusting operators from potential financial losses that may arise from accidents, damage to property, bodily injury, or other liabilities.
This policy could include the following key coverages:
Liability Insurance
This coverage protects crop dusting operators in case they are held legally liable for property damage or bodily injury caused to third parties. It includes coverage for damage to crops, structures, vehicles, or injuries to individuals resulting from routine operations.
Aircraft Hull Insurance
Protects the aircraft itself against physical damage resulting from accidents, such as crashes or collisions. It usually covers the cost of repairs or replacement of the aircraft.
Aviation Liability Insurance
Crop dusting operators also need aviation liability insurance, which specifically covers liability arising from aircraft operations. It provides coverage for bodily injury or property damage caused to third parties due to the use of the aircraft.
Chemical Application Coverage
Since crop dusting involves the application of chemicals, operators may also opt for coverage specifically designed to address any liabilities related to the chemicals used. This coverage can protect against claims resulting from chemical drift, contamination, or environmental damage caused by the chemicals applied during the operations.