What does a common MPCI crop insurance policy not cover?

A common Multi-Peril Crop Insurance (MPCI) policy is designed to protect farmers from a variety of risks that may affect their crops. This includes coverage for losses stemming from extreme weather events, such as droughts, hail, and floods, which are fundamental risks in agriculture. Additionally, damage from wildlife, such as deer or birds, is often not covered under standard policies; however, they can sometimes be included depending on specific endorsements or riders.

Negligence, on the other hand, is not covered by these policies. This means that if a farmer fails to manage their crops in a reasonable manner, leading to a loss, the MPCI will not provide compensation. The rationale behind this exclusion is that insurance is meant to mitigate uncontrollable risks rather than those arising from the insured's own lack of care or poor management practices. Thus, the policy focuses on protecting against unforeseen events rather than negligence or actions that are within the control of the insured.