Aerial Applicator (Crop Dusting) Aircraft Insurance

Aerial application operations face some of the most demanding risk profiles in aviation. Low-altitude flying, chemical dispersal, seasonal operations, and environmental exposure require insurance designed specifically for agricultural aircraft — not generic commercial coverage. Aero Insurance helps you compare all available underwriters with one application, ensuring competitive pricing and coverage that stands up when it matters.

Whether you operate a single ag plane or manage a seasonal fleet, our team has over 20 years of experience insuring Part 137 operators. From liability protection to hull coverage and chemical drift exposure, you receive a dedicated claims advocate from start to settlement.

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Who This Page Is For

This page is for aerial applicators, agricultural aviation businesses, and operators conducting crop dusting, seeding, fertilization, or pest control under FAA Part 137. Whether you fly seasonally or year-round, Aero simplifies the insurance process with less paperwork and no missed coverage gaps.

Typical Uses We See

Agricultural aircraft are insured for a wide range of specialized operations:

• Crop dusting and aerial spraying
• Fertilizer, pesticide, and herbicide application
• Aerial seeding and crop treatment
• Seasonal agricultural contracts
• Ferry flights between fields or regions

Key Factors That Influence Your Quote

Because aerial application presents unique liability and operational risk, underwriters focus on several critical details:

• Pilot experience: total time, time in ag aircraft, low-level flying experience, and recent seasonal activity.
• FAA Part 137 compliance: operating certificates, inspection history, and safety programs.
• Chemical exposure: types of materials applied and drift mitigation practices.
• Aircraft type: fixed-wing vs turbine, payload capacity, and maintenance history.
• Operational area: proximity to homes, waterways, livestock, and public infrastructure.
• Seasonal usage: concentrated flight hours during peak agricultural seasons.

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Common Coverages for Aerial Applicators

Coverage for agricultural aviation is typically customized to address both flight and ground exposure:

• Hull insurance: protects the aircraft against damage during high-risk, low-altitude operations.
• Aviation liability: bodily injury and property damage for flight and ground operations.
• Chemical drift liability: critical protection against overspray or environmental claims.
• Products and completed operations: coverage for post-application claims.
• Seasonal operation endorsements: flexible coverage aligned with peak usage periods.
• Non-owned aircraft liability: for leased or temporarily operated aircraft.

Pilot Qualifications & Training

Due to the specialized nature of agricultural flying, insurers often require:

• Documented low-level and agricultural flight experience
• Recent flight activity during the previous season
• Initial and recurrent ag-specific training
• Compliance with FAA Part 137 pilot requirements

Operational Considerations

Underwriters closely review operational practices that affect claim exposure:

• Chemical handling procedures: loading, storage, and spill prevention.
• Weather and wind management: drift mitigation and application controls.
• Maintenance schedules: frequent inspections due to high-cycle operations.
• Ground operations: exposure during loading and refueling.

Cost Drivers & Ways to Save

Operators can often improve pricing and underwriting outcomes by:

• Maintaining strong Part 137 compliance records.
• Documenting pilot training and seasonal proficiency.
• Implementing chemical drift prevention protocols.
• Keeping detailed maintenance and inspection logs.

Documents & Details to Have Ready

Preparing the following information helps speed quoting and avoid delays:

• Aircraft make, model, serial number, and hull value.
• Pilot certificates, total time, and ag-specific experience.
• FAA Part 137 operating certificate and inspection details.
• Chemicals applied and operational territories.
• Maintenance logs and seasonal flight estimates.

Ready to Insure Your Aerial Application Operation?

Aero Insurance helps agricultural operators compare all available aviation markets with one application. Get proactive renewals, certificates on demand, and expert support from a claims advocate from start to settlement.

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