What it does
FB 10 72 is the raw milk exclusion for the Farm Umbrella Liability Policy, 06 25 edition, filed with the primary farm liability raw milk exclusion FL 10 15 in ISO's 2024 farm revision.
Who needs it
Dairy, goat and sheep farms that sell or share raw milk or raw milk products.
Quoting and selling notes
Ask every dairy account about raw milk sales or herd shares; explain that foodborne illness claims from raw milk are excluded at both levels.
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.
