What it does
FB 00 01 is the Farm Umbrella Liability Policy of ISO's farm program. ISO itself lists "FB 00 01 FARM UMBRELLA LIABILITY POLICY" in its 2025 farm administrative filing alongside FL 00 20 and the farm property forms, and ISO's 2024 farm revision added FB-series umbrella endorsements (PFAS, raw milk, cyber incident, unmanned aircraft and cannabis exclusions). A farm umbrella provides additional limits above the farm's primary liability policies.
Who needs it
Farms with exposures that can exceed primary limits: livestock on roads, farm trucks and equipment on public highways, chemical drift, employees, agritainment visitors and products sold to the public.
Quoting and selling notes
Schedule all underlying policies (farm liability, auto, employers liability or farm employers liability) and confirm their limits meet the umbrella's requirements. Ask about exposures that the umbrella exclusions remove (raw milk, drones, PFAS, cannabis) and whether the underlying farm policy covers them. The edition of FB 00 01 could not be confirmed from ISO's filings (the base data listed 07 98).
Before presenting it
Ask the carrier for the specimen and read it with the underlying farm liability, auto and employers liability policies before explaining coverage to the insured.
How it fits
Umbrella exclusions apply on top of whatever the underlying farm liability, auto and employers liability policies exclude. When the same exposure is excluded at both levels the farm has no coverage for it in the farm program; when it is covered underlying but excluded in the umbrella, the coverage stops at the primary limit. Show the insured both layers side by side when explaining these endorsements.
