Agricultural Aviation Insurance Coverage Checklist
The coverages an agricultural aviation business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for aerial applicators — fixed-wing, helicopter, and drone crop dusting and spraying. Priorities reflect typical exposure for this class; confirm against your actual aircraft and products.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Aircraft Liability | Covers injuries and damage to others from flight operations. | Core | |
| Chemical / Drift Liability | Covers drift and wrong-field damage — usually a separate sublimit on ag aviation policies. | Core | |
| Aircraft Hull | Covers the aircraft against crash, wire strike, and ground damage. | Core | |
| Workers' Compensation / Employer's Liability | Covers pilots and loaders. | Core | |
| Airport / Ag Strip Premises Liability | Covers injuries and damage at your strip and hangar. | Prevalent | |
| Pollution Liability | Covers chemical spills at the loading area. | Prevalent | |
| Hangar & Equipment Property | Covers the hangar, loaders, mixing equipment, and chemical inventory. | Prevalent | |
| Drone (UAS) Liability & Hull | Needed if you spray with drones — often excluded from aircraft policies. | Situational | |
| Commercial Auto | Covers nurse trucks, chemical haulers, and fuel trucks. | Prevalent | |
| Umbrella / Excess Liability | Adds limits for large drift and crop claims. | Situational |
The coverage gap most often missed
The gap most often missed by aerial applicators is the chemical sublimit. Ag aviation policies often cap drift and wrong-field claims well below the main liability limit, and herbicide damage to sensitive crops or people can exceed it fast — eight Washington farmworkers sued an applicator after drift reached an orchard with 67 workers. Check your chemical sublimit, confirm drones are covered if you use them, and keep wind and field records for every load.
Send us the checklist and we'll review your agricultural aviation coverage line by line, then market it across multiple carriers that compete for your account.
Related: Agricultural Aviation (Crop Dusting) Insurance · Agricultural Aviation Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an agricultural aviation business need?
The core coverages for an agricultural aviation business are Aircraft Liability, Chemical / Drift Liability, Aircraft Hull, Workers' Compensation / Employer's Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my agricultural aviation coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.