Which of the following is covered by the common crop insurance policy?

Flood coverage is included in the common crop insurance policy because it falls under the category of natural disasters that can significantly affect crop yields. Crop insurance aims to protect farmers from financial losses due to various unforeseen circumstances, including adverse weather conditions like floods. These policies are designed to provide a safety net for producers to sustain their operations in the face of such risks.

Fires, while damaging, are typically not covered under standard crop insurance policies as they fall outside the commonly included perils. Pest infestation may also not be included unless specified, as it often relates to management practices rather than uncontrollable events. Negligence is a liability that usually falls outside the scope of crop insurance since it involves human actions rather than natural occurrences. Thus, flood coverage aligns with the policy’s purpose of protecting against significant environmental threats to crop production.