Which category of pests is excluded from crop insurance coverage related to negligence?

The question pertains to the categories of pests excluded from crop insurance coverage due to negligence. In this context, negligence typically refers to a lack of proper care or management that contributes to damage or infestation.

Insects, while they are a significant category of pests that can affect crops, are often covered under crop insurance policies unless there is clear neglect shown in managing pest control systems. If proper preventative measures were not taken—like failing to apply insecticides when required—an insurer may deny claims related to insect damage on grounds of negligence.

Weeds, rodents, and fungi are also important factors in agriculture, but the distinction for insects lies in the broader and more significant impact they can have regarding pest control measures. Farmers are generally expected to monitor and manage insects proactively, and failure to do so can lead to exclusions under negligence clauses, hence this would be the correct context also indicated by the other options not directly aligning with the direct impact and management responsibilities of insects compared to the other pests listed.