What it does
Covers personal liability arising from scheduled farm locations and farming operations, including land the insured owns and rents to others to farm, that the homeowners business exclusion otherwise removes.
Who needs it
Homeowners who own farmland or conduct limited farming. It is also used when a homeowner who does not farm owns land rented to someone else to farm.
Quoting and selling notes
- Commercial-scale farms need a farm program (farmowners or a farm liability policy).
Editions and availability
Editions in use and where they apply: 03 22 (33 jurisdictions); 02 17 (8 jurisdictions: AL, CA, CT, FL, GA, HI, LA, VI); 10 00 (1 jurisdiction: PR).
Section II changes affect umbrella placement. The ISO personal umbrella (DL 98 01) needs its own excess endorsements for business pursuits, home business, home day care and home-sharing exposures, so confirm the umbrella responds before relying on a homeowners endorsement for a business-type exposure.
