What it does
FB 10 71 is the PFAS exclusion for the Farm Umbrella Liability Policy, filed by ISO in its 2024 farm revision (FR-2024-OFR24) with a 06 25 edition, matching FL 10 19 on the primary farm liability form.
Who needs it
Farm umbrella accounts; the exclusion removes excess coverage for PFAS-related injury or damage.
Quoting and selling notes
Ask about potential PFAS exposure in land, water and inputs. Primary and umbrella exclusions together leave the exposure uninsured under the farm program.
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.
