What it does
FB 10 75 is the cannabis liability exclusion for the Farm Umbrella Liability Policy, 06 25 edition, filed by ISO with the farm liability cannabis exclusions (FL 10 16, FL 10 17).
Who needs it
Farms with any cannabis or hemp exposure.
Quoting and selling notes
Ask about cannabis and hemp operations and land leased to growers.
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.
