What it does
FL 10 35 adds an exclusion to Coverage H for bodily injury and property damage that would not have occurred but for exposure to fungi or bacteria on or within a building or its contents, and for costs of abating, testing or remediating them.
Who needs it
Carriers add it to farm liability policies, particularly with rented dwellings or farm worker housing.
Quoting and selling notes
Explain the gap for tenant and worker housing. FL 05 32 offers limited coverage instead. 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.
