Protection for spraying, spreading & application services across Alabama.
Coverage for Those Who Work Other People’s Land
If you apply chemicals, fertilizer, or seed on land you don’t own, you’re exposed to risks most farm policies don’t cover. One mistake—or even a false accusation—can lead to major claims. At Schutz Insurance, we help Alabama’s custom applicators get clear, specialized coverage for drift, overspray, and liability concerns, so you can keep working with confidence.
What It Covers
Drift & Overspray Liability
Covers damage to neighboring crops, property, or water sources due to chemical drift or misapplication.
Equipment Coverage
Optional protection for your applicators, tanks, sprayers, spreaders, and rigs—on the road or in the field.
Completed Operations
Protects you after the job’s done in case of delayed damage or claims related to your application.
Frequently Asked Questions
Do I need special insurance to apply chemicals?
Yes—standard farm policies don’t cover application on someone else’s land. You need a custom applicator endorsement or standalone policy.
Is chemical drift covered automatically?
Not always. We’ll make sure it’s clearly included—and explain how your policy handles third-party damage.
What if I use rented or borrowed equipment?
We can extend coverage to borrowed rigs or help you insure your own application gear.
Do I need this if I only apply a few times a year?
If you’re getting paid or exchanging services, even part-time applicators need protection. One claim can be costly.
Can I add this to my farm liability plan?
Sometimes—it depends on your carrier. We’ll help you combine coverage wherever possible.
Your reputation and your rig are everything. Schutz Insurance helps Alabama custom applicators get tailored, no-nonsense coverage for the work they do on other people’s land—so one bad spray doesn’t turn into a bad season.