What it does
FL 05 01 is filed by ISO and carriers as Agritainment – Liability, with Connecticut (FL 05 23) and New York (FL 05 24) versions. It addresses liability for agritainment activities, which go beyond the "farming" definition in FL 00 20.
Who needs it
Farms hosting the public for corn mazes, pumpkin patches, hayrides, petting zoos, farm tours, school field trips or pick-your-own.
Quoting and selling notes
Get a list of activities, attendance, season length, animals the public can touch, hayride equipment, parking and food service. Liquor, zip lines and similar attractions may need separate coverage.
Before presenting it
Ask the carrier for the specimen and read it with FL 00 20 before explaining it to the insured.
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.
