What it does
FB 10 18 appears in ISO's Vermont farm filing as the Silica Or Silica-related Dust Exclusion for the farm umbrella, the excess-layer counterpart to FL 10 50.
Who needs it
Farm umbrella accounts generally; it matters most where sand, gravel or quarry activities occur on the farm.
Quoting and selling notes
Ask about any sand or gravel operations.
Before presenting it
Ask the carrier for the specimen and read it with the underlying farm liability, auto and employers liability policies before explaining coverage to the insured.
How it fits
Umbrella exclusions apply on top of whatever the underlying farm liability, auto and employers liability policies exclude. When the same exposure is excluded at both levels the farm has no coverage for it in the farm program; when it is covered underlying but excluded in the umbrella, the coverage stops at the primary limit. Show the insured both layers side by side when explaining these endorsements.
