What it does
FP 04 20 applies to farm machinery specifically indicated as having foreign objects coverage under Coverage E or under the Mobile Agricultural Machinery And Equipment Coverage Form. It pays for loss or damage caused by foreign objects (such as rocks or metal) being taken into the machinery, overriding the Special causes of loss exclusion for that cause.
Who needs it
Farms with combines, forage harvesters and balers that ingest rocks and metal during harvest.
Quoting and selling notes
Identify which machines need it. Repair costs for ingested objects on harvesters can be large. Wording reviewed: 09 03 edition.
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.
