Louisiana P&C Adjuster Practice Exam

Which of the following animal-related incidents would NOT be covered under Farm Pollution Liability?

1. Waste from washing animal stalls

2. Fuel leakage into streams

3. Chemical over-spray from aircraft

4. Runoff from pesticide use

The correct answer is: Chemical over-spray from aircraft

The correct answer highlights a specific exclusion within the context of Farm Pollution Liability insurance. This type of coverage is generally designed to address pollution incidents directly related to farming activities and the management of livestock. While incidents such as waste from washing animal stalls, fuel leakage into streams, and runoff from pesticide use all directly tie to agricultural practices and the resultant pollution they might cause, chemical over-spray from aircraft does not typically fall under this coverage. Chemical over-spray from aircraft often pertains more to aerial application services which are not limited to any specific farm and can involve a broader range of properties beyond agricultural land. This activity is categorized differently because it can potentially impact areas not owned by the farmer and occurs in a manner that involves commercial spraying operations, which might require different kinds of liability insurance not covered under Farm Pollution Liability. Therefore, the specifics of common farm practices and their direct relationship to farm operations make the remaining options liable under Farm Pollution Liability, while aerial chemical over-spray is outside of its scope.