What it does
FP 04 22 increases the $10,000 annual aggregate for the Pollutant Clean Up And Removal Additional Coverage by the additional aggregate limit shown, with a deductible that applies after the basic $10,000 is used.
Who needs it
Farms storing fuel, fertilizer, pesticides or manure where a covered fire or windstorm could release pollutants onto land or water.
Quoting and selling notes
Ask about chemical and fuel storage quantities and locations. This is property clean-up coverage only; third-party pollution liability is addressed in the farm liability forms. Wording reviewed: 01 98 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.
