Which of the following is NOT a segment of coverage for aerial application aircraft?

• A. Third-party liability excluding chemical liability insurance
• B. Chemical liability coverage
• C. Hull coverage
• D. Personal auto liability

Answer: (D)

The key idea is how aerial application operations are insured. Aerial applicators typically carry hull coverage to protect the aircraft itself, and liability coverages that address the unique risks of flying and applying chemicals: a general third-party liability for injuries or property damage, plus a chemical liability coverage that specifically covers risks from handling and dispersing agricultural chemicals.

Personal auto liability doesn’t fit with aviation exposures. It covers liability for private ground vehicles, not airplanes or aviation operations, and isn’t a coverage segment used for aerial application risk. That’s why this option is not a segment of coverage for aerial application aircraft.