AAIS FARMOWNERS PROGRAM AVAILABLE ENDORSEMENTS AND THEIR USES

(October 2023)

INTRODUCTION

The American Association of Insurance Services (AAIS) designed its Farmowners Program to apply to smaller farming operations. It is anchored by several basic coverage forms. Use of basic coverage forms makes program updates easier and allows for simpler and less disruptive program revisions. This approach allows different insurance companies to stay with earlier editions of the program if they wish or adjust and change to the latest one. Using basic coverage forms also reduce the chances that changes to a particular coverage will affect the entire Farmowners Program.

Modifications and changes to the basic coverage forms are necessary to provide customized coverage to meet a particular operation’s needs. AAIS has a number of optional endorsements for operations with coverage needs that the basic coverage forms do not meet. Many of these endorsements require additional premium charges.

This article identifies forms and endorsements that may be attached to the AAIS Farmowners Program coverage forms and policies They are presented in alphanumerical order, followed by their title and a brief description and explanation of the form’s intent. This listing does not include state-specific forms.

FORM NUMBERING

AAIS numbers its forms beginning with two letters followed by a space or a "dash." This is followed by a one, two, three, or four-digit form number. After another space, the edition number, such as "1.0" or the edition date, such as "01 04" is indicated. This analysis does not use edition numbers or dates. The next item is the title, followed by a brief description and explanation of the form or endorsement’s use and intent.

The first two letters represent the coverage or line of business to which the endorsement or form applies. For example, "CL" applies to commercial lines, "FO" is used for farm property coverage, "GL" is for liability coverages, and "ML" is for multi-line.

FORMS DESCRIPTION DISCLAIMER

The brief narrative description and explanation of the form or endorsement’s use and intent is only a summary. The entire form or endorsement must be examined carefully to completely understand how it modifies the basic coverage form to which it applies.

AAIS FARMOWNERS PROGRAMS FORMS AND ENDORSEMENTS

CL 0342–Equipment Breakdown Reinstatement

This endorsement is used with the Equipment Breakdown coverage option. It reinstates coverage for described equipment that was suspended due to it being exposed to a dangerous situation or its condition made using it dangerous. The reinstatement takes effect after the hazardous problem is corrected.

FO 0145–Expanded Replacement Cost Terms

(Use with FO-1, FO-2, FO-3, and FO 0005)

When a loss under Coverage A exceeds the limit on the declarations, this endorsement increases the limit by 20% but only if the residence is repaired or replaced. It adds a requirement that the insured must notify the insurance company whenever it makes an alteration or addition that increases the dwelling’s replacement value by $5,000 or more. It also lets the insurance company regularly adjust the scheduled limit.

The endorsement cannot be used when FO-15, FO-255, or FO-256 is attached.

FO 0208–Water Damage-Sewers, Drains, and Sumps

This endorsement applies to direct damage loss under Coverages A, B, and C. It provides a $5,000 limit for coverage for water or sewage that backs up through sewers or drains or that overflows from a sump pump or a similar system. Coverage is subject to a mandatory $250 deductible. The limit is a sub-limit of the limits for Coverages A, B, and C. It mentions Coverage D but does not assign a limit to it, and the deductible does not apply to it.

FO 0217–Water Exclusion Endorsement

This mandatory endorsement modifies FO-20–Additional Policy Conditions and Property Coverage Terms.

FO 0400–Farm Income Coverage

This endorsement is used to provide limited coverage for lost earnings and additional loss-related operating expenses.

FO 0410–Farm Income Coverage-Schedule of Operations

This schedule is used with FO 0400–Farm Income Coverage.

FO 0420–Equipment Breakdown Coverage

This endorsement covers direct physical loss or damage due to an accident to defined equipment. It applies to only coverages E, F, and G. Coverage includes Loss of Income if FO 0400 is attached. Coverage is similar to the coverage that equipment breakdown coverage forms provide. FO 0425–Equipment Breakdown Coverage Schedule must be attached.

FO 0425–Equipment Breakdown Coverage Schedule

This endorsement is used to schedule limits and coverages for FO 0420–Equipment Breakdown Coverage.

FO 0430–Equipment Breakdown Dwelling Coverage

This endorsement is used to add equipment breakdown coverage for Coverages A, B, and C. It can include refrigerated farm personal property and related additional living costs and rent loss that affect a scheduled covered dwelling. The schedule for this coverage is part of the endorsement.

FO 0435–Equipment Breakdown Dwelling Coverage-Includes Permanently Installed Appliances

This endorsement provides the same coverage that FO 0430–Equipment Breakdown Dwelling Coverage provides, with one important exception. It extends coverage to appliances that are permanently installed in the covered residence or related structure.

FO 0670–Limited Fungi, Wet or Dry Rot, or Bacteria Coverage

Coverage and exclusions apply to both property and liability but only can be used when GL-2 is used to provide the liability coverage.

FO 0671–Limited Fungi, Wet or Dry Rot, or Bacteria Coverage

Coverage and exclusions apply to both property and liability but only can be attached when GL-610 is used to provide the liability coverage.

FO 0675–Virus or Bacteria Exclusion

This endorsement excludes losses and related expenses due to microorganisms that cause disease. The exclusion is broad and even applies to contamination-induced loss of access to farm property.

FO 0794–Identity Fraud Expense Coverage

(Use with FO-1, FO-2, FO-3, FO-4, and FO 0005)

This endorsement covers expenses related to identity theft. A limit for the coverage must be inserted in the space provided on the endorsement schedule. It defines "expenses" and "identity fraud." It adds this coverage to the coverage forms’ Incidental Property Coverages and contains provisions for What You Must Do in Case of Loss, How Much We Pay for Loss or Claim, and Other Conditions.

FO-15–Actual Cash Value

(Use with FO-1, FO-2, FO-3, and FO 0005)

This endorsement is used to amend the loss settlement terms for property covered under Coverage A (Residence) and Coverage B (Related Private Structures) from replacement cost to actual cash value.

This endorsement cannot be used when FO 0145, FO-255, or FO-256 are attached.

FO-25–Consent to Move Mobile Home

(Use with FO-1, FO-2, FO-3, FO-4, and FO 0005)

This endorsement covers a mobile home when it is moved and located away from the insured's covered location. This extension of coverage applies for either the entire policy period or for the 30 day period entered on the endorsement schedule. It specifically excludes collision and upset, the two losses most likely to occur during transport.

FO-26–Collision or Upset

(Use with FO-1, FO-2, FO-3, FO-4, and FO 0005)

This endorsement covers loss that results from a mobile home colliding with another object or being upset. Coverage is limited to a 30-day period, and the effective (beginning) date of coverage must be entered on the endorsement schedule. Coverage applies while the mobile home is both on the premises as well as when it is removed and away from the insured's covered location. However, coverage away from the insured’s covered location applies only if the insurance company gives written consent to the move. As a result, it works in conjunction with FO-25 above.

FO 2630–Terrorism Exclusions

Related Article: Terrorism and Insurance

FO 2640–Terrorism Exclusions (With Limited Exception)

Related Article: Terrorism and Insurance

FO 2650–Nuclear, Biological, and Chemical Terrorism Exclusions

Related Article: Terrorism and Insurance

FO 2660–Nuclear, Biological, and Chemical Terrorism Exclusions (With Limited Exception)

Related Article: Terrorism and Insurance

FO-27–Secured Party's Interest-Additional Coverage

(Use with FO-1, FO-2, FO-3, FO-4, and FO 0005)

This endorsement covers a secured party’s interest in a mobile home, but only if the named insured defaults on payments to the secured party and the mobile home is repossessed. It applies even if the repossession has not taken place, but reasonable efforts have been made to do so. This coverage then pays for certain mobile home damage, subject to the secured party’s financial interest that exists at the time of loss.

FO-30–Incidental Property Coverages-Higher Limits

(Use with FO-1, FO-2, FO-3, FO-4, and FO 0005)

This endorsement has a schedule that increases limits for a number of incidental coverages in the various dwelling coverage forms. The coverages involved are Fire Department Service Charge, Credit Card, Forgery, and Counterfeit Money, Outdoor Antennas, Well Pumps, Private Power and Light Poles, Refrigerated Food Spoilage, and Tenants Improvements. These limits can also be increased on the Farmowners Declarations.

FO-41–Additional Insureds

This endorsement lists additional insureds for only property coverages. Their financial interest in the covered property is only as their interests appear.

FO-48–Related Private Structures

(Use with FO-1, FO-2, FO-3, and FO 0005)

This endorsement must be examined very carefully. Multiple private structures can be listed, and a limit entered for each one in the space provided on the endorsement schedule, but this endorsement does not increase the limit for Coverage B. The limits entered are considered additional insurance, but that insurance is subject to the limit for Coverage B. As a result, using this endorsement requires verifying that the limit for Coverage B exceeds the sum of the limits entered on the endorsement schedule.

FO-52–Renewal Plan

This endorsement changes the policy to a continuous policy mutually agreed on by the named insured and the insurance company. The policy continues for 12 months at each anniversary date until either the insurance company does not renew or the named insured does not pay the premium.

FO-54–Earthquake

(Use with FO-1, FO-2, FO-3, FO-4, and FO 0005)

This endorsement insures property insured under Coverage A (Residence), Coverage B (Related Private Structures), and Coverage C (Personal Property) for loss or damage an earthquake causes. It treats all events or shocks that occur within 168 consecutive hours as a single occurrence. It excludes loss or damage to masonry veneer, but the exclusion can be removed by making the appropriate entries in the spaces provided on the endorsement schedule and charging an additional premium. There is also a space to specify the earthquake deductible percentage that applies. The deductible percentage is 5% in Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, Oregon, Utah, and Washington unless a different percentage is entered. It is 2% in all other states.

FO-55–Replacement Value

(Use with FO-1, FO-2, FO-3, and FO-4)

This endorsement changes certain loss settlement terms in the coverage form from actual cash value to replacement cost. The property items changed are all under Coverage C (Personal Property) plus appliances, window coverings, air conditioners, carpet, awnings, canopies, and antennas.

FO-60–Debris Removal

(Use with FO-1, FO-2, FO-3, and FO-4)

This endorsement replaces the incidental property coverage for debris removal for Coverage A (Residence), Coverage B (Related Private Structures), and Coverage C (Personal Property). It modifies coverage by removing the 25% of direct damage limitation.

FO-61–Scheduled Personal Property

(Use with FO-1, FO-2, FO-3, FO-4, FO 0005)

This optional coverage endorsement provides open perils coverage for the following eligible classes of personal property: Jewelry, furs, cameras, musical instruments, silverware, golfers' equipment, fine arts, postage stamps, rare and current coins, and bicycles. It defines jewelry, fine arts, and all other items are defined in the coverage form’s schedule of covered property. It has its own coverage part, including extensions of coverage, excluded and limited property, perils covered, perils excluded, territory, valuation, and loss settlement terms.

FO-61A–Scheduled Personal Property Schedule

(Use with FO-1, FO-2, FO-3, FO-4, and FO 0005)

This schedule is used with FO- 61 to list and describe specifically covered items and to enter a limit of insurance for each.

FO-65–Coverage C Higher Limit of Liability on Certain Property

(Use with FO-1, FO-2, FO-3, FO-4, and FO 0005)

This endorsement increases the special limits of liability that apply to a number of classes of household personal property when added to the Farmowners policy. The classes of property include money, securities, jewelry, silverware, guns, motorized vehicles used to service the farm premises, and business property other than farm personal property. The endorsement schedule includes additional items covered under each of the broad classifications listed above.

FO-68–Scheduled Glass

(Use with FO-1, FO-2, FO-3, and FO 0005)

This endorsement is used to cover specifically scheduled and described items of glass for loss or damage from the perils of breakage and chemicals. It also includes loss settlement provisions and valuation terms.

FO-69–Business Property-Business Occupancy on the Insured Premises

(Use with FO-1, FO-2, FO-3, FO-4, and FO 0005)

This endorsement covers the property of a specifically described business at a listed location up to the scheduled limit. It removes the limitation on business property under Coverage C (Personal Property) but does not increase the limit for Coverage C.

FO-70–Ordinance or Law

(Use with FO-1, FO-2, and FO-3)

This endorsement removes the 25% limitation in the incidental property coverage in the coverage form for increased cost-ordinance or law that applies to Coverage A (Residence) and Coverage B (Related Private Structures).

FO-75–Amendment of Vacancy or Unoccupancy

This endorsement waives the penalty for vacancy or unoccupancy but only for the location described on the endorsement schedule and for only the scheduled period of time.

FO-123–Pollutant Clean Up and Removal

(Use with FO-6)

This endorsement adds an additional aggregate limit to the $10,000 aggregate limit under incidental property coverages in the coverage form. This limit must be entered on the endorsement schedule. It is excess above the policy aggregate limit plus the optional deductible also entered on the endorsement schedule. This endorsement includes an example that illustrates how the coverage applies.

FO-125–Dwelling under Construction-Theft

(Use with FO-1, FO-2, FO-3, FO-4, and FO 0005)

This endorsement fills the coverage gap created by the theft of construction material and theft from buildings under construction exclusion in the basic coverage forms. It provides coverage for such theft events. However, it has the unusual feature that there is no refund of premium if the policy or coverage is canceled.

FO-151–Increased Coverage A Limit-No Private Structures

(Use with FO-1, FO-2, FO-3, and FO 0005)

This endorsement is similar to blanketing the limits for Coverage A and Coverage B. The combination of limits is available to handle Coverage A losses. It can be used only if the combined replacement value of all private structures eligible for coverage under Coverage B is less than $1,000. Fences, driveways, sidewalks, and in-ground swimming pools are not considered in determining the $1,000 restriction.

FO-170–Computers

(Use with FO-1, FO-2, FO-3, FO-4, and FO 0005)

This endorsement broadens the coverage for scheduled computers, data processing equipment, and software in the basic coverage forms. It has its own coverage part and includes definitions, descriptions of property covered, extensions of coverage, perils covered, perils excluded, and valuation and loss settlement terms.

FO-178–Insurance by More than One Company

This endorsement is used when two or more insurance companies share the total limit of insurance that applies to any of the principal property coverages.

FO-181–Premium Payments

This endorsement is used with policies written with a three-year term but whose premium is paid annually.

FO-184–Automatic Adjustment of Limits

(Use with FO-1, FO-2, FO-3, FO-4, and FO 0005)

This endorsement is also known as inflation guard or inflation protection. It automatically increases the limits of insurance on Coverage A (Residence), Coverage B (Related Private Structures), Coverage C (Personal Property), and Coverage D (Additional Living Costs and Loss of Rent Coverage). It requires entering the numerals 1, 2, 3, or 4 on the declarations to indicate the percentage of adjustment to be applied following each three-month period. However, neither the declarations nor available schedules have a space in which to enter these numbers.

FO-200–Replacement Cost Terms-Mobile Homes

(Use with FO-1, FO-2, and FO-3)

This endorsement is used to change the valuation terms in the basic policy for covered mobile homes from actual cash value to replacement cost.

FO-216–Premises Alarm or Fire Protection System

This endorsement is a warranty and should be used with extreme caution. The insured receives a credit for having an approved alarm system or fire protection system. However, this also means a claim can be denied if that system is not in working order when a loss occurs.

FO-255–Repair Cost Terms

(Use with FO-1, FO-2, FO-3, and FO 0005)

This endorsement amends the loss settlement provisions of the dwelling coverage forms. One major change is that it removes the 80% insurance-to-value requirement. As long as the property is repaired or replaced at the same site or very close to it, it is covered for the cost to repair or replace it by using common, readily available building materials from the local area. However, losses are settled on an actual cash value basis if the insured decides not to repair or replace according to this endorsement’s terms. It cannot be used with mobile homes.

FO-256–Modified Replacement Cost Terms

(Use with FO-1, FO-2, FO-3, and FO 0005)

This endorsement amends the loss settlement provisions by lowering the 80% replacement cost requirement. The revised percentage to apply must be entered on the endorsement schedule. It cannot be used with mobile homes.

FO-257–Ordinance or Law-Farm Barns, Buildings, and Structures

(Use with FO-6)

This endorsement provides coverage for increased costs due to enforcing building codes or similar ordinances that regulate use, construction, repair, or demolition of property after a covered loss. The coverage applies to only the structures listed on the endorsement schedule. The limit for a scheduled covered building or structure should be increased because this endorsement does not provide any additional limits.

FO-300–Schedule of Farm Property-Coverage F

This is a sample (non-filed) schedule an insurance company can use to develop its own unique schedule format. It specifies classes or items of farm property covered and the limits of insurance that apply. Examples of property that can be scheduled are specifically described machinery, livestock, equipment, poultry, household contents, grain, hay, farm produce and supplies, and computers.

FO-303–Schedule of Barns, Buildings, Structures, and Additional Farm Dwellings-Coverage E

This is a sample (non-filed) schedule an insurance company can use to develop its own unique schedule format. It specifies classes or items of farm property covered and the limits of insurance that apply. Examples of property that can be scheduled are additional dwellings, outdoor radio and television equipment, barns, silos, portable buildings, and tenant improvements.

FO-304–Restriction of Individual Policies

This endorsement is used to list and describe restrictions of policy coverage that the named insured requested. It has spaces to describe any restrictions that apply, the insurance company’s name, the insurance company's authorized representative’s name, and a signature block for the insured to acknowledge that it accepts the restrictions. It should be used only where permitted by state law.

Note: This endorsement does not address any premium considerations.

FO-307–Sprinkler Leakage

This endorsement covers loss or damage to covered property when caused by either sprinkler leakage or the collapse or fall of a tank that is part of an automatic sprinkler system. The insurance company may decide to pay the costs to repair or replace the system when Coverage A (Residence) or Coverage E (Farm Barns, Buildings, and Structures) is provided.

FO-309–Other Locations

This endorsement is used to identify limits, coverages, and related information for other premises, the insured occupies. It includes information about the location, coverages that apply, deductibles, perils insured, additional interests, other endorsements that apply to the additional premises, and a detailed description of the dwelling. Because this is a declarations for the additional location, it should be reviewed carefully for accuracy.

FO-323–Weight of Ice, Snow, or Sleet

(Use with FO-6)

This endorsement adds coverage for direct physical loss or damage to covered property caused by or that results from the weight of ice, snow, or sleet. It applies to Coverage E (Farm Barns, Buildings, and Structures), Coverage F (Scheduled Farm Personal Property), and Coverage G (Unscheduled Farm Personal Property). Only the property this endorsement lists and describes is covered.

FO-324–Winter Perils-Livestock

(Use with FO-6)

This endorsement covers loss to livestock as a result of freezing or smothering in a snowstorm or ice storm or as a result of falling through ice. The type of livestock and the limit of insurance must be entered on the endorsement schedule. It has several narrowly defined exclusions and limitations.

FO-330–Incidental Property Coverages-Higher Limits

(Use with FO-6)

This endorsement is used to schedule higher limits for a number of incidental coverages. The incidental coverages are Fire Department Service Charge, Property in the Care of a Common or Contract Carrier, Signs, Glass Breakage in Cabs, and Farm Operations Records. These limits can also be increased on the Farmowners Declarations.

FO-340–Limited Perils-Coverages E, F, and G

(Use with FO-6)

This endorsement restricts coverage. Specific property items are scheduled. A limit and one or more perils must then be selected. The perils match the peril numbers in the coverage form. Even if the named insured selects all of the perils on this endorsement, it will not match the 16 perils the coverage form provides.

FO-341–Replacement Cost Terms-Farm Barns, Buildings, and Structures

(Use with FO-6)

This endorsement changes the loss settlement valuation terms for barns, buildings, or structures insured under Coverage E from actual cash value to replacement cost. Each building to which this endorsement applies must be listed on the endorsement schedule.

FO-342–Deductible Amounts

(Use with FO-1, FO-2, and FO-3)

This endorsement is used to provide different deductible amounts by coverage or for specific items of property. The deductible amounts may also vary by specific perils insured against.

FO-345–Theft of Building Materials-Farm Barns, Buildings, and Structures

(Use with FO-6)

This endorsement extends the theft peril to materials and supplies used to construct buildings but only for those buildings listed on the endorsement schedule. It has a number of narrowly defined exclusions and coverage limitations.

FO-346–4-H and F. F. A. Animals

(Use with FO-6)

This endorsement is used to cover animals listed, described, and have a limit entered on the endorsement schedule when on the described premises or temporarily away from it. It covers loss that results from the death or necessary destruction of a described animal caused by open or all-risk perils unless one of the exclusions in the coverage form excludes the loss. The death must be reported to the insurance company in time to perform a post-mortem examination, and coverage does not apply if the loss is reported more than 48 hours after the loss. Special valuation and settlement terms apply.

FO-347–Windstorm or Hail-Dairy and Farm Products in the Open

(Use with FO-6)

This endorsement revises the windstorm or hail peril to remove the exclusion for dairy and farm products while outside buildings. This revision applies to only property listed and described on the endorsement schedule. It excludes any loss to this property due to dampness, spoilage, or mold. A $250 deductible applies. This deductible can be increased.

FO-348–Animal Boarding

(Use with FO-6)

This endorsement can be used when the insured boards animals that others own on the insured premises. It covers loss or damage to animals caused by any one of 17 listed perils. The animals are covered only at the described premises. A transit limit that applies to all animals being transported must be entered on the endorsement schedule. It lists a deductible that is applied following all loss adjustments. It describes property covered, property excluded, covered perils, exclusions, and loss settlement and valuation provisions. It is important to note that coverage applies only for the loss caused because the animal dies or must be destroyed. There is no coverage for veterinarian bills.

FO-349–Suffocation of Livestock

(Use with FO-6)

This endorsement is really a mechanical breakdown/power interruption endorsement, despite its title. A mechanical breakdown or power interruption to equipment that controls the temperature, atmosphere, or air movement in the building described on the endorsement schedule may occur. In that case, coverage applies to any livestock deaths resulting from the breakdown or interruption. It has several requirements or warranties with which the insured must comply. Coverage is subject to the limit selected and a minimum deductible of 10% of the loss, subject to a $1,000 minimum deductible that applies to each occurrence. In addition, any loss this endorsement covers must be reported to the insurance company within 48 hours after it occurs.

FO-350–Debris Removal-Coverages E and F

(Use with FO-6)

The only change between this and the Debris Removal coverage that Incidental Property Coverages provides is that it removes the maximum percentage of the limit that can be used for debris removal.

FO-352–Peak Season Inventory-Farm Personal Property

(Use with FO-6)

This endorsement is used to increase limits for farm personal property items described on the endorsement schedule. The amount of increase and the inclusive dates during which the increase applies must also be entered on the endorsement schedule.

FO-354–Earthquake-Coverages E, F, and G

(Use with FO-6)

This endorsement pays for direct physical loss or damage to property insured under Coverage E (Farm Barns, Buildings, and Structures), Coverage F (Scheduled Farm Personal Property), and Coverage G (Unscheduled Farm Personal Property) caused by earthquake. The property covered must be described on the endorsement schedule. The earthquake deductible percentage that applies (subject to a minimum of $250) must be listed in the space provided. Any earthquake activity that occurs within a 168 consecutive hour period is treated as a single occurrence. Several specific and narrowly defined exclusions or limitations apply. The insured has the option to include or exclude losses to exterior masonry veneer.

FO-356–Added Animal Perils

(Use with FO-6)

This endorsement broadens the coverage that applies to covered livestock. The type of livestock covered must be scheduled, and the insured must choose if coverage is to apply to sheep. The additional perils provided are accidental shooting, drowning, attack by dogs or wild animals, and building collapse. Certain exclusions also apply.

FO-360–Farm Machinery

(Use with FO-6)

This endorsement covers mobile farm machinery and equipment along with accessories, tools, and spare parts designed to operate and maintain the machinery and equipment. Coverage is for open perils or on an all-risk basis. Coverage can be on a blanket and/or scheduled basis. All property covered under this endorsement’s terms is subject to a minimum 80% coinsurance requirement. The deductible selected applies after making all other loss adjustments. Extensions of coverage include replacement items and newly acquired items. This endorsement lists property not covered or excluded, perils insured against, and perils excluded.

FO-361–Property in Transit-Coverages F and G

(Use with FO-6)

This endorsement covers property covered under Coverage F (Scheduled Farm Personal Property) and Coverage G (Unscheduled Farm Personal Property) while in transit. Coverage does not apply when the covered property is transported by or in the custody of common or contract carriers for hire. This endorsement’s maximum limit is $5,000 in a single occurrence. It also lists various ineligible property and perils excluded.

FO-362–Special Form Coverage-Farm Barns, Buildings, and Structures

(Use with FO-6)

This endorsement changes Coverage E (Farm Barns, Buildings, and Structures) from named perils to open perils. It includes certain exclusions that apply specifically to this property.

FO-363–Repair or Rebuilding Requirement

(Use with FO-6)

This endorsement changes the loss settlement terms for farm buildings insured under Coverage E (Farm Barns, Buildings, and Structures) listed on the endorsement schedule. It applies only if a loss exceeds $2,500.Payment is limited to 50% of the adjusted loss’ value. The remaining 50% is only paid if the building is repaired or replaced within 12 months following the date of loss. Loss settlement is on an actual cash value basis.

FO-364–Replacement Cost Provisions for Well Pumps

(Use with FO-1, FO-2, and FO-3)

This endorsement amends the loss settlement provisions for well pumps from actual cash value to replacement cost. It pays the lesser of the replacement value, four times the actual cash value, or the amount calculated after applying any special limitation to the loss. It defines replacement value for this property.

FO-368–Calendar Date or Time Failure Exclusion

This endorsement is mandatory in a number of states. It adds a general exclusion that applies when loss or damage is caused because any type of device fails due to its inability to deal with a date or time. It also has a similar exclusion for property damage under Liability coverages. This exclusion also applies to coverage that FO-170 (Computers) or FO-360 (Farm Machinery) provides.

GL 0810–Migrant and Seasonal Worker Protection Act Exclusion

This mandatory endorsement amends the policy’s liability coverage. Coverage does not apply to any damages awarded under the Migrant and Seasonal Agricultural Worker Protection Act or any related laws or regulations.

GL-9–Personal Liability Coverage

(Use with GL-610)

GL-610–Commercial Liability Coverage-Farm Premises and Operations does not provide personal liability coverage for the farm family. This endorsement adds that coverage. All insureds to be covered must be listed on the endorsement schedule.

GL-10–Punitive Damages Exclusion

This is a mandatory endorsement in the states where it is filed. It bars any response to claims or requests for indemnity for punitive or exemplary damages.

GL-40–Structures Rented to Others

This endorsement provides liability coverage for injuries that arise from buildings or structures listed on the endorsement schedule rented to others.

GL-70–Additional Insured-Persons or Organizations

(Use with GL-2 or GL-610 if GL-9 is attached)

This endorsement is used to schedule additional interests with respect to scheduled locations or premises. The coverage provided applies only with respect to the scheduled locations or premises. The name and address of the additional interest and the nature of the additional interest must also be entered on the endorsement schedule.

GL-71–Additional Insured-Partners or Co-owners

This endorsement is used to schedule additional interests who are partners or co-owners with respect to scheduled premises. Its terms specifically state that coverage applies collectively to all partnership operations, activities, and property, and separately to all non-partnership operations. The names and addresses of the partners or co-owners and the nature of their additional interest must be entered on the endorsement schedule.

GL-72–Additional Insureds

(Use with GL-2 or GL-610 if GL-9 is attached)

This endorsement adds the scheduled resident of the insured's household as an insured with respect to personal liability coverage in the policy but only as long as the party named is a resident of the household. The exclusion in the policy that applies to the insured, relatives, persons under the age of 21, and residents applies to the person(s) listed on the endorsement schedule.

GL-73–Additional Residences or Farms-Rented to Others

(Use with GL-2 or GL-610 if GL-9 is attached)

This endorsement provides liability coverage for the additional residences or farms rented to others listed on the endorsement schedule. If the location is a residence, the number of families who reside in the residence must also be entered on the endorsement schedule.

GL-74–Business Activities

(Use with GL-2 or GL-610 if GL-9 is attached)

This endorsement covers liability that results from or arises from scheduled business activities. The only eligible activities are those that clerical employees, salespersons, collectors, messengers, and teachers perform. Coverage does not apply to a business the insured owns or financially controls or to any partnership in which the insured is a partner. It includes several other exclusions or situations where coverage does not apply. Only the business activity for the insured listed on the endorsement schedule is covered. There is an option to provide liability for corporal punishment.

GL-75–Custom Farm Work

(Use with GL-2 or GL-610 if GL-9 is attached)

This endorsement extends the Incidental Coverages of the Farm Personal Liability Coverage or the Supplemental Coverages of the Commercial Liability Coverage (Farm Premises and Operations) Custom Farm Work beyond the $5,000 receipts limitation and may include pesticide/herbicide application. The work must be described on the endorsement schedule. The estimated receipts and amount of advance premium charged must be entered on the declarations or in the spaces provided on the endorsement schedule.

GL-76–Employers’ Liability-Farm Employees

(Use with GL-2 or GL-610 if GL-9 is attached)

This endorsement adds employers’ liability coverage for farm employees. This is not workers compensation coverage because it must be proved that the employer was negligent. The rate, the total number of employees (broken down between full time and part time employees), and the total number of worker-days (or wages) involved must be entered on the endorsement schedule. Any farm employees to be excluded must also be scheduled.

GL-78–Fruit or Vegetable Picking-By Public-Horse Boarding Operations

(Use with GL-2 or GL-610 if GL-9 is attached)

This endorsement extends liability coverage to fruit or vegetable picking by the public and/or horse boarding based on entries on the endorsement schedule.

GL-80–Office, Professional, Private School, or Studio Occupancy

(Use with GL-2 or GL-610 if GL-9 is attached)

This endorsement extends Business Incidental Liability coverage to cover injury or damages from a business occupancy the insured conducts on the insured premises, all listed on the endorsement schedule.

GL-81–Personal Injury

(Use with GL-2 or GL-610 if GL-9 is attached)

This endorsement extends Coverage L to pay damages for which the insured is legally liable because of a personal injury offense. Personal injury includes false arrest, false imprisonment, wrongful eviction, wrongful detention, malicious prosecution, misrepresentation, libel, slander, defamation of character, and invasion of privacy. The policy exclusions that apply to Coverage L do not apply to this coverage, but this endorsement adds a number of exclusions that apply specifically to this coverage.

GL-82–Watercraft

(Use with GL-2 or GL-610 if GL-9 is attached)

This endorsement extends Watercraft Incidental Coverage to include the watercraft listed on the endorsement schedule. The watercraft’s description, the horsepower, its length, the rated speed (expressed in miles-per-hour), and the owner’s name (if other than the named insured on the policy) must also be entered on the endorsement schedule.

GL-83–Snowmobile

(Use with GL-2 or GL-610 if GL-9 is attached)

This endorsement extends Motorized Vehicle Incidental Coverage to include operating the snowmobile(s) listed on the endorsement schedule. The make or model and the serial or motor number of the snowmobile must be entered in the spaces provided.

GL-84–Care Provided for Others

(Use with GL-2 or GL-610 if GL-9 is attached)

This endorsement is used to cover a business activity that cares for others at the insured premises.

GL-90 Incidental Business Pursuits

(Use with GL-2 or GL 610 if GL-9 is attached)

This endorsement is used to add only incidental business pursuits listed on the endorsement schedule.

GL-91–Supplemental Declarations

This declarations lists locations covered for only liability coverages.

GL-92–Crop Dusting and Spraying Operations

This endorsement covers bodily injury or property damage that results or arises from the release or discharge of substances from an aircraft in conjunction with any crop dusting or similar operations that a licensed independent contractor performs for the insured. Coverage is subject to the occurrence limit listed on the endorsement schedule, which is a sub-limit of the policy’s occurrence limit.

GL-95–Products Aggregate Limit

(Use with GL-2)

This endorsement adds wording that explains how the products aggregate limit applies. However, it does not provide a schedule on which to add the Products Aggregate Limit.

GL-108–Additional Insureds

(Use with GL-610)

This endorsement schedules interests that are additional insureds due to being a co-owner of the insured premises, that have a controlling interest in either the insured or the premises, or are a mortgagee, assignee, or receiver. The policy number, the name of the additional interest, and the location or premises to which the additional interest applies must be entered on the endorsement schedule along with checking the interest that applies.

GL-612–Deletion of Certain Exclusion(s)

(Use with GL-610)

This endorsement amends GL 610 (Commercial Liability Coverage-Farm Premises and Operations) by deleting two different exclusions. The first, exclusion 5, excludes coverage for properties rented to others. The second, exclusion 13, excludes coverage for various exposures that relate to farm animals, tractors, and mobile equipment. Either or both exclusions can be deleted.

GL-614–Farm Chemicals Limited Liability

This endorsement covers liability that results or arises from the discharge, dispersal, release, or escape of chemicals, liquids, or gases into the air. The release must originate on the insured's premises, and the chemicals must be the type usually found at and used in normal farming operations. Coverage is subject to the 12-month aggregate limit entered in the space on the endorsement schedule.

GL-615–Exclusion of Products/Completed Work

(Use with GL-610)

This endorsement excludes coverage for bodily injury or property damage that results or arises from the Products/Completed Work Hazard.

GL-872–Farm Employers Liability Coverage

(Use with GL-610)

This endorsement adds employers liability coverage for farm employees. Separate limits apply to the coverage this endorsement provides, and they are not subject to the policy’s general aggregate limit. Entries are required in the spaces provided on the endorsement schedule for the limit for each occurrence for Farm Employers Liability and the limit for each employee for Farm Employees Medical Payments. Entries are also required for the rate, the total number of employees, the total number of worker-days, or the amount of wages that are the basis of the premium charge. Entries can also be made to identify any farm employee to be excluded.

GL-890–Lead Liability Exclusion

This endorsement states that coverage does not apply to bodily injury, property damage, or personal and advertising injury liability caused by or that results or arises from any contact with lead. It also excludes consequential expenses related to incidents of lead exposure. This endorsement is mandatory in some jurisdictions. When applicable, state-specific forms and endorsements listings should be examined to determine the proper form or endorsement to use.

GL-904–Personal and Advertising Injury Liability Coverage

(Use with GL-610)

This endorsement is used to add Coverage P. Personal Injury Liability and Advertising Injury Liability.

ML-405–Windstorm or Hail Deductible

(Use with FO-1, FO-2, FO-3, FO-4, and FO 0005)

This is an optional, state-specific endorsement. It allows selecting a percentage of the Property Coverage A limit as a deductible for each occurrence for loss or damage caused directly or indirectly by windstorm or hail. The selected percentage deductible applies to Coverage A (Residence), Coverage B (Related Private Structures), Coverage C (Personal Property) and Coverage D (Additional Living Costs and Loss of Rent Coverage) and certain Incidental Property Coverages.