Strange isn't it? I have the same policy. I'm insured if I cock up whilst contracting but if I accidentally knacker my own crops I get zilch. I wonder if it's because the unscrupulous farmers would be claiming all the time on their poor crops that were going to produce record yields and had been sprayed with roundup by mistake.No only if I was contract spraying.
I left a bit of starane in the tank and sprayed a client's beans this time last year . They were struggling in the drought and I was meant to be applying some foliar feed to try and perk them up.Wasn't till I went back a week later and saw them starting to curl up that I realised my mistake.
The dose would have been tiny but they were under stress anyway and it was the final nail. I had a few sleepless nights I can tell you until I had confirmation from NFU that they would pay up. They paid up based on previous yields and average prices. I reckon it was the most profitable crop my client has grown, no more sprays or harvest costs and even if I hadn't cocked up the beans were never going to get a decent yield.