What it does
FL 04 71 extends Coverage H of FL 00 20 (and the Personal Liability endorsement) to bodily injury and property damage occurring off the insured location from ownership, maintenance, use, loading or entrustment of snowmobiles described in the schedule and owned by an insured.
Who needs it
Farm families who ride owned snowmobiles off the farm, where the motor vehicle exclusion otherwise applies.
Quoting and selling notes
Schedule each snowmobile by make and serial number; ask about youthful operators. Wording reviewed: 10 06 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.
