What it does
FL 04 22 adds to Coverage H an exclusion for damages arising out of access to or disclosure of confidential or personal information and data-related liability, and provides coverage up to a Loss Of Electronic Data Limit shown in the schedule.
Who needs it
Farms whose operations could damage others' electronic data, such as farms providing data services or custom work with connected equipment.
Quoting and selling notes
Cyber liability for data breaches requires a separate cyber policy. Wording reviewed: 12 14 edition.
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.
