Agricultural Consultant Insurance Coverage Checklist
The coverages an agricultural consultant 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 agricultural consultants, agronomists, and crop advisers. Priorities reflect typical exposure for this class; confirm against your actual services, contracts, and clients.
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 |
|---|---|---|---|
| Professional Liability (Ag Consultant E&O) | Covers yield and crop-loss claims from your advice. | Core | |
| General Liability | Covers field scouting and property damage. | Core | |
| Commercial Auto | Covers trucks and scouting vehicles. | Core | |
| Workers' Compensation | Covers field staff and heat exposure. | Core | |
| Pollution Liability | Covers nutrient runoff and well contamination tied to your plans. | Prevalent | |
| Regulatory Defense | Covers state agriculture department investigations. | Prevalent | |
| Inland Marine | Covers soil probes, drones, and GPS equipment. | Prevalent | |
| Extended Reporting Period | Covers claims-made gaps when switching carriers. | Prevalent | |
| Pesticide Applicator Liability | Needed if you apply any product, since GL often excludes drift. | Situational | |
| Drone / Aviation Liability | Covers UAV scouting and imagery. | Situational |
The coverage gap most often missed
The gap most often missed by crop consultants is the pollution exclusion. GL and basic E&O forms usually carry absolute pollution exclusions that sweep in pesticide drift and nutrient runoff — a consultant's two signature exposures — and crop insurance doesn't cover drift losses either. Add a pollution or drift carve-back, and confirm E&O doesn't exclude chemical advice.
Send us the checklist and we'll review your agricultural consultant coverage line by line, then market it across multiple carriers that compete for your account.
Related: Agricultural Consultant Insurance · Agricultural Consultant Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an agricultural consultant business need?
The core coverages for an agricultural consultant business are Professional Liability (Ag Consultant E&O), General Liability, Commercial Auto, Workers' Compensation. 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 consultant 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.