What it does
FL 05 32 subjects all damages under Coverage H and medical expenses under Coverage J arising out of a "fungi or bacteria incident" to the Fungi And Bacteria Aggregate Limit in its schedule.
Who needs it
Carriers use it to give limited mold and bacteria liability coverage instead of a full exclusion.
Quoting and selling notes
Compare with FL 10 35, which excludes the exposure. Rental dwellings and farm housing raise mold claims. Wording reviewed: 10 06 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.
