What it does

FL 00 20 is the liability form of ISO's farm program. It combines the commercial exposures of a farm with the personal liability of the farm family in one occurrence-based form: Coverage H – Bodily Injury And Property Damage Liability, Coverage I – Personal And Advertising Injury Liability and Coverage J – Medical Payments. Coverage is keyed to "farming", defined as operating an agricultural or aquacultural enterprise, including a roadside stand on the farm selling products the insured mainly produced; retail activity beyond that and mechanized processing are not "farming" unless shown in the declarations.

Who needs it

Owners and operators of crop, livestock, dairy, poultry, orchard and mixed farms. Neighbors' livestock damage, injuries to visitors and buyers, chemical drift and products sold off the farm are typical claims.

Key provisions (10 06 specimen)

• Exclusions include aircraft and motor vehicles, watercraft, mobile equipment, animal racing and stunting contests, business pursuits other than farming, custom farming (excluded only when custom farming receipts exceed $5,000 in the prior 12 months), professional services, workers compensation and employers liability, pollution, and injury to farm employees maintaining the farm.
• "Custom farming" means planting, cultivating, harvesting or similar farming work by an insured at a farm that is not an insured location, for and under the direction of that farm's owner or operator, not counting neighborly exchanges or unpaid work.
• "Insured location" includes the farm premises and residences shown, premises used with them, temporary residences, vacant land, and land where a residence is being built.
• Contractual liability is covered for "insured contracts"; a damage limit applies to fire damage to premises rented to the insured.

Quoting and selling notes

Ask for acreage, crops and livestock, employees (farm employers liability needs FL 04 65 unless workers compensation applies), custom work for others (FL 04 69), agritainment and on-farm retail (FL 05 01, FL 04 43), chemical application, raw milk sales, drones, horses and other animals open to the public. Carriers commonly attach FL 04 11 or FL 04 37 premises liability and FL 04 12 personal liability options. The 04 16 edition is the current edition in carrier and ISO filings; the description of exclusions reflects the 10 06 text.

Related forms

FL 04 65, FL 04 69, FL 05 01, FL 04 11, FL 04 37, FL 04 12, FP 00 12.