What does the common crop insurance policy NOT cover?

The common crop insurance policy does not cover negligence. This means that if a farmer fails to take proper care of their crops—perhaps by not following recommended agricultural practices or by not maintaining equipment—the losses incurred due to this negligence would not be compensated under the policy. Crop insurance is designed to protect against specific perils such as adverse weather events, natural disasters, and theft, all of which are typically included in the coverage. The rationale is that insurance is meant to mitigate risks outside of a farmer's control, whereas negligence stems from the farmer's actions or inactions, which the insurance cannot cover. This distinction emphasizes the importance of responsibility and adherence to best practices in farming.