Final answer:
A crop-hail insurance policy does not cover damage to crops during transportation, such as when Tom's truck crashed while transporting the crop to the silo, making this the correct answer to the question.
Step-by-step explanation:
A crop-hail insurance policy is designed to protect farmers against the loss of their crops due to hail and certain other specified risks. However, not all events that cause damage to crops are covered by this type of insurance. Specifically, coverage typically includes instances where crops are damaged directly by hail, but there are exclusions.
Now, let's review the scenarios presented in the question:
- B. Olivia's crop destroyed by a hail storm is covered since this is exactly the type of event crop-hail insurance is intended for.
- C. Martin's crop destroyed by caterpillars despite the use of insecticide may be covered under the policy if the policy includes coverage for insect damage, which is sometimes the case.
- A. Lucy's crop was destroyed by a wildfire started by a lightning strike may not be covered since wildfires are typically not included in crop-hail insurance policies; this loss might require a different form of crop insurance.
- However, D. Tom's crop was destroyed when he crashed his truck while transporting his crop to the silo for storage would not be covered by a crop-hail insurance policy. This type of loss is due to a transportation accident, not a direct crop damage event due to environmental conditions or pests.
Therefore, the correct answer to the question is that a crop-hail insurance policy would provide coverage for all of the following, except when Tom's crop was destroyed when he crashed his truck while transporting his crop to the silo for storage, as this does not fall within the typical perils covered by such an insurance policy.