What it does
FL 04 74 appears in carrier farm filings as All-Terrain Vehicle Coverage. FL 00 20 excludes motor vehicles, so ATV use (especially off the insured location or by youthful operators) depends on this kind of endorsement.
Who needs it
Farms using ATVs and UTVs for chores, and families riding them recreationally.
Quoting and selling notes
Ask for the number of ATVs, operators and whether they are used off the farm or on roads.
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.
