What it does
FL 04 28 was filed by ISO in the 2024 farm revision with a 06 25 edition. It provides limited liability coverage for the unmanned aircraft designated in the endorsement, which aircraft exclusions otherwise remove.
Who needs it
Farms flying drones for scouting, spraying or herding.
Quoting and selling notes
Schedule each drone and its use; spraying drones carry chemical drift exposure too. FL 10 23 and FL 10 26 are the corresponding exclusions.
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.
