What it does
FP 04 30 was filed by ISO in its 2024 farm forms revision (FR-2024-OFR24) with a 06 25 edition, titled Limited Coverage For Unmanned Aircraft (Scheduled And/Or Blanket Coverage). It brings drones back into farm property coverage on a limited basis where they would otherwise fall under aircraft exclusions.
Who needs it
Farms using drones for crop scouting, spraying, mapping or livestock monitoring.
Quoting and selling notes
Ask for drone models, values and uses (spraying drones are larger and costlier). Liability for drone operations is handled on the farm liability side with FL 04 28 and the FL 10 23 / FL 10 26 exclusions.
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.
