Only if the policy is written for it. Living plant material is excluded or heavily sublimited on many forms, and coverage often turns on whether the loss traces back to an insured equipment breakdown. Confirm how growing stock is scheduled before you need to find out.
Fraud is a crime
If your application contains purposefully misleading, absent, or inaccurate information, you could be charged with fraud. Your insurance carrier could potentially void your policy, or you could face civil or criminal charges or penalties.
Any person who knowingly and with intent to defraud any insurance company or other person, files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent act, which is a crime.
