What it does
FL 04 44 provides limited coverage for physical injury to crops and animals of others caused by crop dusting operations performed by aircraft for the insured by a licensed independent contractor. FL 00 20 excludes release or discharge from aircraft.
Who needs it
Crop farms that hire aerial applicators.
Quoting and selling notes
Ask for the applicator's license and certificate of insurance, which should respond first. Chemical drift coverage (FL 01 63) addresses other application methods. Wording reviewed: 09 03 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.
