VT Insurance Agency, a leading national insurance agency, provides comprehensive coverage for all aerial application operations. Whether you’re spraying your own fields or are a custom aerial application professional, we can help you navigate the complex world of drone insurance.
Understanding the Difference: Third-Party vs. First-Party Chemical Drift
Chemical drift occurs when pesticides or other chemicals unintentionally spread beyond their intended target area, potentially damaging neighboring crops, property, or other people. Both third-party and first-party chemical liability coverage can provide coverage for chemical drift, but it’s important to understand the difference between the two.
Third-party chemical liability insurance is going to be standard for any aerial application policy and is a required coverage in most states. It protects you against claims from others who have suffered damages due to your negligence. In the case of chemical drift, this could include damage to crops, property, or personal injury.
First-party chemical liability is typically in the form of a “Crops Treated” or “Adjacent Fields” endorsement. This coverage only applies to commercial operations and is there in case you have a contaminated hopper or a miss mixing of chemical where you damage or destroy the field you’re intending to spray. This will include damage to the crops you’re being paid to spray. Not all companies will offer first party chemical liability so it is important to know if you’re fully covered in all cases. This is especially important if you are spraying herbicides or defoliants. Our experienced team of aerial application insurance agents will make sure you’re properly covered for your needs!
How VT Insurance Can Help
At VT Insurance, we understand the unique risks associated with drone and aviation operations, including the potential for chemical drift. We offer a variety of insurance products designed to meet the specific needs of our clients.
Contact VT Insurance Today
Don’t wait until it’s too late. Contact VT Insurance today to discuss your drone and aviation insurance needs. We can help you find the right coverage to protect your assets and ensure peace of mind.
Call us at (972) 729-9553 or visit our website at www.vtinsurance.com for a free quote.