What it does
FL 01 16 modifies the Farm Liability Coverage Form, the farm employers liability endorsement and the basic and broad farm premises liability endorsements. Insurance does not apply to damages awarded under the Migrant and Seasonal Agricultural Worker Protection Act (29 USC 1801 et seq.), under any law due to violation of it, or under its regulations.
Who needs it
Farms that employ or contract migrant or seasonal farm workers, including through farm labor contractors.
Quoting and selling notes
MSAWPA covers worker housing, transportation, wage and disclosure obligations. Ask about labor contractors, worker housing and transport, and discuss compliance. Wording reviewed: 09 94 edition.
How it fits the farm liability policy
A farm liability endorsement changes only the coverages it names (Coverage H bodily injury and property damage, Coverage I personal and advertising injury, Coverage J medical payments, or a coverage it adds). The rest of FL 00 20, including the definitions of "farming", "custom farming" and "insured location", continues to apply. When presenting a quote, list each farm liability endorsement and its schedule entries so the insured sees how the base form was broadened or narrowed.
