U Minimum Policy Premium 25% minimum earned premium. Policy is subject to audit.

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1 FARM AND RANCH POLICY FORMS ROADMAP Farm and Ranch Policy Prefix is always FO COMMON POLICY FORMS All policies must be issued with these common forms. DCJ Common Policy Declarations - Property, GL, Marine U Farm and Ranch Part Declarations Property and Liability IL Common Policy Conditions Cancellation, changes, examination of books and records, inspections, premiums, transfer of your rights and duties. U Farm And Ranch Schedule of Forms and Endorsements U Minimum Policy Premium 25% minimum earned premium. Policy is subject to audit. U Service of Suit TRIA TRIA Notice CANCELLATION AND NONRENEWAL FORMS U Cancellation except for AL, AR, CT, FL, IN, IA, KS, MA, MT, NV, NM, OK, PA, SC, VT, WA, WY.. For these states use the indicated UIL form indicated below. UIL Cancellation and Nonrenewal Alaska UIL Cancellation and Nonrenewal Arkansas UIL Cancellation and Nonrenewal Connecticut UIL Cancellation and Nonrenewal Florida UIL Cancellation and Nonrenewal Indiana UIL Cancellation and Nonrenewal Iowa UIL Cancellation and Nonrenewal Kansas UIL Cancellation and Nonrenewal Maine UIL Cancellation and Nonrenewal Montana UIL Cancellation and Nonrenewal Nevada UIL Cancellation and Nonrenewal New Mexico UIL Cancellation and Nonrenewal Oklahoma UIL Cancellation and Nonrenewal Pennsylvania UIL Cancellation and Nonrenewal South Carolina UIL Cancellation and Nonrenewal Vermont UIL Cancellation and Nonrenewal Washington UIL Cancellation and Nonrenewal Wyoming

2 FARM LIABILITY FORMS Liability Grant FL Farm Liability Form U Additional Exclusions and Provisions - Liability Insurance Asbestos and Lead provisions, ACV definition Business Activities Additional Insureds Enhancements FL Business Activities Provides liability coverage for business activities conducted by the insured on their premises. ALL business activities must be specifically described and listed on the form to trigger coverage See Rating Step 3 for list of acceptable business activities. Only those business activities listed in the underwriting guidelines may be listed on this form. FL Additional Insured Executors, Administrators, Trustees and Beneficiaries $50 per entity, flat, fully earned when issued FL Additional Insured Farm Liability $50 per entity, flat, fully earned when issued Designed to provide additional interest coverage for entities from which the insured leases land, persons or organizations that exercise financial control over the insured and/or non-residential coowners of a non-farm residence Naming an independent operator-manager of a farm/ranch owned by or leased to the insured as an additional insured is prohibited. Use of section 3.a. of form FL0450 prohibited. Vendors - if you are trying to provide vendor s coverage via FL0450 the premium charge is based on actual receipts tied to the vendor(s) and you apply the products rate per $1000 of receipts instead of a flat $50 charge You must schedule all A.I. entities on this form FL Additional Residences Rented to Others if you have farm related dwelling occupied by others Modifies the rental of premises exclusion List all dwellings leased or rented to others to trigger liability coverage FL Amendatory Endt Heat / Smoke / Overspray $100 flat charge, do not pro-rate Contractors providing herbicide or pesticide services to the insured must provide evidence of insurance of at least $300,000 limits. Insured should obtain additional insured status on contractor s policy. Deletes the pollution exclusion for smoke or heat pollution caused by the standard burring of crop stubble Losses related to applications from aircraft are excluded Provides a $25,000 sub-limit for loss or damage due to chemical drift that naturally occur during normal farm operations * Exclusions FL Exclusion Employment Related Practices

3 FL Exclusion Fungi or Bacteria Liability U Exclusion - Fungi or Bacteria Contaminated Food Does not apply to fungi or bacteria that are a good or product intended for consumption U442F Exclusion Habitability * in California only * FL Exclusion Migrant and Seasonal Agriculture Worker Protection Excludes all damages due to awards from the Migrant and Seasonal Agricultural Worker Protection Act and successor laws IL Exclusion Nuclear Energy Liability FL Exclusion Personal and Advertising Injury FL Exclusion Products and Completed Operations FL Exclusion Silica or Silica Related Dust U Exclusion Stable Liability * only if you have equine exposures * U Exclusion - Transmitted Disease Limitations Liability Deductible FL Limitation - Contractual Liability Removes coverage item e. No change to coverage items a. through d. U Liability Deductible Deductibles are BI/PD and per claim Minimum deductible is $500 Submit for approval if deductible is to exceed $1000 Waivers FL Waiver of Transfer of Rights of Recovery Against Others to Us $250 charge per entity, flat, fully earned when issued TRIA UCG2171A Exclusion - Limited Terrorism other than Certified Acts of Terrorism * unless UCG2175A is applied For Farm Liability, provides coverage for Certified Acts only UCG2175A Certified Acts of Terrorism and Other Facts of Terrorism Exclusion * unless UCG2171A is used For Farm Liability, total exclusion for all terrorism acts * * PROPERTY FORMS A, B, C, D, E, F FP s A, B, C, D A - Dwellings B - Other Private Structures appurtenant to Dwellings C - Special Sublimates of Insurance D - Loss of Use To trigger coverage all values must be scheduled on the property declarations pages Coinsurance. optional FP 1210 changes the basis to ACV. If you are offering property one or more of these forms are

4 Causes of Loss ACV and RC Additional s, Conditions, Definitions Valuation for A and B is replacement cost if you maintain values to at least 80% B limit is 10% of A limit. Limit for B is an additional amount of coverage not a sub-limit of A. Limit for B can be increased above 10% using FP 0525 C has misc. sub-limits that are not in addition to any other limit on the policy. Valuation is ACV unless you elect FP 0436 which converts some items under C to a RC basis FP s E & F E - Scheduled Farm Personal Property F - Unscheduled Farm Personal Property To trigger coverage all values must be stated on the declarations pages Farm machinery and equipment are scheduled under E Maximum limit for F is $5,000 Valuation is ACV at time of loss, RC if actually replaced FP G G - Barns, Outbuildings and Other Farm Structures To trigger coverage all values must be stated on the declarations pages FP Causes of Loss Form Farm Property Definitions of Basic, Broad, Special. Select your cause of loss on the Farm/Ranch Declarations page FP Theft Exclusion Excludes theft for all property U Theft s A, B, C, D Only Excludes theft for all property except for items covered by FP0012 (s A, B, C, D) Theft not available for s E, F or G. Additional premium charge applies Use requires attachment of FP 1212 If not used requires attachment of FP1014 FP Burglary and Robbery Protective Systems * if offering theft with form FP0012 (s A, B, C, D only) Premises must be listed on FP1212 to trigger coverage Alarm system must be designated as BR-1 FP Actual Cash Value Dwellings and Appurtenant Private Structures Changes RC basis of Cov A and B to ACV basis FP Farm Property Other Farm Provisions Form Additional s, Conditions, Definitions Applies to ALL farm property coverage parts Debris removal, fire department service charges, collapse Pollutant cleanup/removal up to $10,000, higher pollutant limits not available U Additional Exclusions and Provisions Property Insurance if not attaching U 1120 * If attaching U 1120 FP Collision Resulting in Death of Livestock

5 Enhancements Requires FP 0013 Enter collision in place of basic as the covered cause of loss for livestock on the declarations page Provides a limit for each animal killed as a result of collision FP Exclusion of Loss Due to Virus or Bacteria; Limited for Fungi, Wet Rot and Dry Rot Property Sub limit is $15,000 FP Increased limits for Structures Appurtenant to Dwellings Requires use of FP Allows you to have more than 10% of the dwelling ( A limit) to apply to structures appurtenant to dwelling FP Increased Special Limits on Business Property Flat charge of $100 applies for this option FP 0012 provides business property sub limits of $2500 On Premises and $500 Off Premises FP0409 allows you to choose any sub limit for the business property on premises exposure. This sub limit does not increase the total amount of coverage selected under FP FP0409 provides 20% of the selected limit on FP0409 for off premise business property. FP Motorized Golf Carts Collision is an available option Deductible FP Single Farm Property Per Occurrence Deductible Specify the deductible on the declarations page. Minimum property deductible is $1000 Earthquake and Hail U Earthquake or Water Damage Exclusion FP Windstorm or Hail Exclusion Follow all windstorm guidelines to determine if mandatory or not. FP Windstorm or Hail Percentage Deductible Follow all windstorm guidelines to determine if mandatory or not. Loss Payable FP Loss Payable Provisions Vacancy FP Un-occupancy and Vacancy Permit Removes time provisions and restrictions that are triggered when a building is vacant for over 120 consecutive days FP Vandalism Exclusion TRIA UIL Limited Exclusion of Acts of Terrorism Other Than Certified Acts of Terrorism unless UIL0961 is applied For property lines, provides coverage for Certified Acts only TRIA UIL Exclusion of Certified Acts and Other Acts of Terrorism unless UIL0959 is applied For property lines, total exclusion for all terrorism acts