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 6550 07 05 Common Policy Declarations - Property, GL, Marine U 1401 03 08 Farm and Ranch Part Declarations Property and Liability IL 0017 11 98 Common Policy Conditions Cancellation, changes, examination of books and records, inspections, premiums, transfer of your rights and duties. U 001 10 04 Farm And Ranch Schedule of Forms and Endorsements U 002 09 04 Minimum Policy Premium 25% minimum earned premium. Policy is subject to audit. U 094 07 02 Service of Suit TRIA2002 01 08 TRIA Notice CANCELLATION AND NONRENEWAL FORMS U 173 07 02 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 0280 07 02 Cancellation and Nonrenewal Alaska UIL 0231 07 02 Cancellation and Nonrenewal Arkansas UIL 0260 07 02 Cancellation and Nonrenewal Connecticut UIL 0255 07 02 Cancellation and Nonrenewal Florida UIL 0272 07 02 Cancellation and Nonrenewal Indiana UIL 0276 07 02 Cancellation and Nonrenewal Iowa UIL 0261 07 02 Cancellation and Nonrenewal Kansas UIL 0247 07 02 Cancellation and Nonrenewal Maine UIL 0243 07 07 Cancellation and Nonrenewal Montana UIL 0251 07 02 Cancellation and Nonrenewal Nevada UIL 0298 07 02 Cancellation and Nonrenewal New Mexico UIL 0236 07 02 Cancellation and Nonrenewal Oklahoma UIL 0246 07 02 Cancellation and Nonrenewal Pennsylvania UIL 0249 09 07 Cancellation and Nonrenewal South Carolina UIL 0219 07 07 Cancellation and Nonrenewal Vermont UIL 0146 07 02 Cancellation and Nonrenewal Washington UIL 0252 07 02 Cancellation and Nonrenewal Wyoming
FARM LIABILITY FORMS Liability Grant FL 0020 10 06 Farm Liability Form U 1103 03 08 Additional Exclusions and Provisions - Liability Insurance Asbestos and Lead provisions, ACV definition Business Activities Additional Insureds Enhancements FL 0443 01 98 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 0432 06 90 Additional Insured Executors, Administrators, Trustees and Beneficiaries $50 per entity, flat, fully earned when issued FL 0450 10 06 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 0406 01 98 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 0163 09 03 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 1001 09 94 Exclusion Employment Related Practices
FL 1035 10 06 Exclusion Fungi or Bacteria Liability U 229 08 03 Exclusion - Fungi or Bacteria Contaminated Food Does not apply to fungi or bacteria that are a good or product intended for consumption U442F 07 07 Exclusion Habitability * in California only * FL 0116 09 94 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 0021 07 02 Exclusion Nuclear Energy Liability FL 1002 06 90 Exclusion Personal and Advertising Injury FL 1007 09 03 Exclusion Products and Completed Operations FL 1050 10 06 Exclusion Silica or Silica Related Dust U 1119 03 08 Exclusion Stable Liability * only if you have equine exposures * U 227 03 08 Exclusion - Transmitted Disease Limitations Liability Deductible FL 1008 09 03 Limitation - Contractual Liability Removes coverage item e. No change to coverage items a. through d. U 1104 02 03 Liability Deductible Deductibles are BI/PD and per claim Minimum deductible is $500 Submit for approval if deductible is to exceed $1000 Waivers FL 9903 09 94 Waiver of Transfer of Rights of Recovery Against Others to Us $250 charge per entity, flat, fully earned when issued TRIA UCG2171A 01 08 Exclusion - Limited Terrorism other than Certified Acts of Terrorism * unless UCG2175A is applied For Farm Liability, provides coverage for Certified Acts only UCG2175A 01 08 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 0012 09 03 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
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 0013 09 03 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 0014 09 03 G G - Barns, Outbuildings and Other Farm Structures To trigger coverage all values must be stated on the declarations pages FP 1060 09 03 Causes of Loss Form Farm Property Definitions of Basic, Broad, Special. Select your cause of loss on the Farm/Ranch Declarations page FP 1014 01 98 Theft Exclusion Excludes theft for all property U 1120 03 08 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 1212 09 03 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 1210 01 98 Actual Cash Value Dwellings and Appurtenant Private Structures Changes RC basis of Cov A and B to ACV basis FP 0090 09 03 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 1203 03 08 Additional Exclusions and Provisions Property Insurance if not attaching U 1120 * If attaching U 1120 FP 0456 01 98 Collision Resulting in Death of Livestock
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 0530 03 08 Exclusion of Loss Due to Virus or Bacteria; Limited for Fungi, Wet Rot and Dry Rot Property Sub limit is $15,000 FP 0525 09 03 Increased limits for Structures Appurtenant to Dwellings Requires use of FP 0012. Allows you to have more than 10% of the dwelling ( A limit) to apply to structures appurtenant to dwelling FP 0409 09 03 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 0012. FP0409 provides 20% of the selected limit on FP0409 for off premise business property. FP 0527 03 08 Motorized Golf Carts Collision is an available option Deductible FP 0304 01 98 Single Farm Property Per Occurrence Deductible Specify the deductible on the declarations page. Minimum property deductible is $1000 Earthquake and Hail U 226 08 03 Earthquake or Water Damage Exclusion FP 1015 09 03 Windstorm or Hail Exclusion Follow all windstorm guidelines to determine if mandatory or not. FP 0305 09 03 Windstorm or Hail Percentage Deductible Follow all windstorm guidelines to determine if mandatory or not. Loss Payable FP 1211 09 03 Loss Payable Provisions Vacancy FP 0475 01 98 Un-occupancy and Vacancy Permit Removes time provisions and restrictions that are triggered when a building is vacant for over 120 consecutive days FP 1016 01 98 Vandalism Exclusion TRIA UIL0959 01 08 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 UIL0961 01 08 Exclusion of Certified Acts and Other Acts of Terrorism unless UIL0959 is applied For property lines, total exclusion for all terrorism acts