A Specialty Aviation Insurance

Operations that utilize aircraft for insecticide, herbicide or fertilizer dustings or spraying of crops, shrubs, trees, plants or other forms of vegetation require insurance falling under specialty aviation coverage.

More: what insurance for the professional landscaper or lawn care operation?

Related risks are higher than more typical aircraft functions due to the hazardous nature of applied chemicals. Dangerous to humans, animals and bordering property crops, the dusting or spraying of insecticides, fertilizers and other chemical matter must be done by flying at significantly lower altitudes than normal.

Related liability insurance covers bodily injury and property damage.

Before underwriting a policy, insurance companies consider a number of associated issues in regard to the individual crop dusting and spraying operator, including the following:  

•             Previous losses

•             Financial standing

•             Amount of pilots employed

•             Pilots’ experience

•             Variety of chemicals used

Available forms of coverage include:  

• 3^rd-party liability with no chemical damage coverage
  
  
• 3^rd-party liability with insecticide or other chemical  damage coverage
  
  
• Liability against most insecticides, with the exclusion of a few
  
  

Prime Insurance welcomes any inquiries on insurance or risk management for crop dusters and sprayers.

PRIME Insurance is a three-generation family-run independent agency. We’re proud to partner with many of the leading underwriters – recognized companies like ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, THE HARTFORD, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage and bonds at competitively lowest quotes. Visit us on our online insurance website or email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!

Summary: Crop Dusters and Sprayers insurance is classed as ‘specialty coverage’ by the leading underwriters dealing with this form of indemnity. Prime Insurance summarizes the key points to related protection.