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Seedsmen's Professional Liability Insurance
An insurance programme
for members of the International Seed Federation (ISF)
Who needs seedsmen's professional liability insurance
Why products liability is not adequate
What sort of claims do seedsmen attract?
Key features of this insurance programme
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What to do next ...
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a few frequently asked questions

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WHAT SORT OF CLAIMS DO SEEDSMEN ATTRACT?

There are six main categories of claims as outlined below.  In most cases the key factors are the adequacy of the seedsmen’s quality control and seed testing procedures, including the sampling procedures, and the depth of the plaintiff’s distress at having lost all or part of his harvest and subsequent profit, (sometimes blaming the seedsmen, instead of his own farming techniques).

1)         Mechanical Error: Such as errors in labelling, mixture of the wrong kinds or varieties of seed, inadequate labelling or inadequate laboratory testing for germination.

2)         Overzealous Distribution: Including verbal warranties as a result of a salesman over-representing the seed product, and catalogue warranties, again by overzealous parties perhaps beyond the control of the seed producer.  The FIS recommends the use of a Standard Disclaimer of Warranty and Limitation of Liability, which is a protection against some of these claims.

3)         Germination Deficiencies: This type of loss can be controlled by careful grow-out testing and strenuous policing by official state and federal seed testing laboratories.  Although claims may be less frequent, they tend to be particularly severe when they do occur.

4)         Misapplication: Claims resulting from seed failing to perform in a given area.

5)         Disease Control Problems: Susceptibility to disease varies on the susceptibility or genetic resistance of the type of seed planted.  Seedlings or plants may become infected with disease due to seed borne organisms, or be infected by disease organisms in the soil or on plant residue.  Damage can be reduced by disease control treatments and by not planting in areas known to be infected with disease.

6)         Miscellaneous Problems: Improper and inadequate pollination can produce substandard seed and consequential losses.  Claims also arise from failure to carefully rogue undesired types, kinds or varieties from the seed field and, in particular, apparent carelessness in harvesting the seed production fields.

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