What it does
FP 04 08 appears in a carrier farm filing as Farm Computer Coverage, and ISO's Texas farm program includes Texas Changes – Farm Computer Coverage (FP 04 58). Coverage E of FP 00 13 also lists computers and related software used principally as aids in farm management as covered property when a limit is shown.
Who needs it
Farms that rely on computers, precision agriculture systems and software for management.
Quoting and selling notes
Ask for hardware values, backup practices and whether the equipment is portable or mounted in machinery.
Before presenting it
Ask the carrier for the specimen and read it with the farm coverage form it modifies before explaining it to the insured.
How it fits the farm policy
A farm program endorsement changes only the coverage forms named in its "this endorsement modifies" list. Everything else in the Farm Coverage Part keeps working as written: the FP 00 90 additional coverages, conditions and definitions, the causes of loss selected from FP 10 60, and the farm liability forms. When presenting a quote, list each farm endorsement with its schedule entries (insured location, building or item, limit, deductible) so the insured can see exactly where the base coverage was broadened or narrowed.
