What it does
FL 04 37 appears in carrier farm filings as Broad Farm Premises Liability, and ISO's MSAWPA exclusion (FL 01 16) lists the broad farm premises liability endorsement among the forms it modifies.
Who needs it
Working farms that need coverage beyond basic premises liability.
Quoting and selling notes
Compare the coverage grant with FL 04 11 when the carrier offers both.
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.
