Which of the following is not typically covered under a standard farm policy?

A standard farm policy is designed to cover various risks associated with agricultural operations, but it also has exclusions based on common insurance practices. Flood damage due to heavy rain is commonly excluded from coverage under standard policies. This exclusion is based on the need to separately purchase flood insurance, as flooding is often unpredictable and can cause significant damage that standard farm policies are not equipped to manage.

In contrast, tools and equipment used in farming, liability for farm worker injuries, and theft of livestock are typically included in standard farm policies. These elements are considered essential exposures that the farm policy aims to protect against, ensuring that farmers have coverage for their operational assets and legal liabilities related to their operations. Understanding these coverage terms is crucial in evaluating insurance needs for farming activities, which helps farmers tailor their policies effectively.