What it does
FL 04 43 modifies FL 00 20 for the business described in the schedule at the listed insured location. The schedule indicates whether the liquor liability exclusion applies, whether room or board is provided, and whether part of the location is rented to others.
Who needs it
Farms with side businesses on the farm, such as a farm store, repair shop, bed and breakfast or event barn, which FL 00 20 otherwise excludes as business pursuits.
Quoting and selling notes
Describe each business, receipts and whether alcohol is served. Larger operations may need a CGL policy instead. Wording reviewed: 01 98 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.
