What it does
FL 04 12 appears in carrier filings as the Personal Liability endorsement with a 04 16 edition. Several ISO farm endorsements (FL 04 07, FL 04 71, FL 10 01, FL 10 12, FL 10 50) list the Personal Liability Endorsement among the forms they modify, with its own Coverage A for bodily injury and property damage.
Who needs it
Farm households whose personal liability is written within the farm policy.
Quoting and selling notes
Coordinate with any separate homeowners or umbrella policy to avoid gaps or overlaps.
Before presenting it
Ask the carrier for the specimen and read it with FL 00 20 before explaining it to the insured.
How it fits the farm liability policy
A farm liability endorsement changes only the coverages it names (Coverage H bodily injury and property damage, Coverage I personal and advertising injury, Coverage J medical payments, or a coverage it adds). The rest of FL 00 20, including the definitions of "farming", "custom farming" and "insured location", continues to apply. When presenting a quote, list each farm liability endorsement and its schedule entries so the insured sees how the base form was broadened or narrowed.
