What are common exclusions found in crop hail insurance policies?

Crop hail insurance policies are specifically designed to provide coverage for losses due to hail damage. Because of this focus, hail damage itself is not excluded from these policies; in fact, it is the primary risk that these insurance products are meant to cover.

Common exclusions that often appear in crop hail insurance policies typically include damage caused by pests and negligence. Damage caused by pests may be excluded due to the nature of agriculture, as pest infestations are often the result of management practices or environmental conditions that the farmer is responsible for controlling. Similarly, losses resulting from negligence—such as failing to take proper preventive measures or maintenance—are also usually excluded, as they fall under the management practices of the insured party.

Exclusions like damage from fire can vary based on the specific policy terms but are generally not a primary focus of crop hail insurance. Instead, they might be more relevant in broader crop insurance policies. The key takeaway is that crop hail insurance does not cover losses arising from pests or poor management practices, emphasizing the insurer's intent to cover unexpected weather-related events like hail.