What it does
FL 01 63 amends FL 00 20 in two ways. It adds an exception to the pollution exclusion for injury or damage from heat, smoke or fumes of a fire the insured sets on the insured location to burn off crop stubble or vegetation, consistent with normal agricultural practice and not in violation of law. It also adds Chemical Drift Liability Coverage as Coverage M, subject to its own terms and limit.
Who needs it
Crop farms that apply chemicals or burn fields. Carriers file this form under titles such as "Chemical Drift Liability".
Quoting and selling notes
Ask how chemicals are applied (ground, air, by contractors), what crops neighbor the farm and whether field burning is done. Check the Coverage M limit against the exposure. Wording reviewed: 09 03 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.
