Crop Insurance will have requirements for protocols that must be followed to make a crop insurable. For instance, some fruit or seed crops have pollination requirements of 2 hives per acre which must be carried out or they will not provide coverage for certain types of crop failure.

An alternative analog would be not noticing that a cow was acting up, and allowing a whole herd to contract tuberculosis because a farmer didn't contact the vet or isolate parts of his herd from each other or the neighbors. Some things just happen, and they suck. But some things happen when you aren't on top of good management practices, and that sucks but some of it is on the farmer.