What it does
FL 04 42 modifies the Farm Liability Coverage Form and the farm dwelling property form for a home day care operation described in the schedule (number of persons and dwelling location). It extends Coverage H to the day care operation subject to the endorsement's limitations.
Who needs it
Farm households running a small in-home day care.
Quoting and selling notes
Ask how many children, ages, and any pools, animals or equipment they could access. Larger day cares need a commercial child care policy. 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.
