What it does
FL 10 01 adds an exclusion to Coverage H of FL 00 20, Coverage A of the Personal Liability endorsement, and the farm employers liability section of FL 04 65 for bodily injury arising out of refusal to employ, termination, or employment-related practices such as coercion, demotion, evaluation, harassment and discrimination.
Who needs it
Farms with employees.
Quoting and selling notes
Employment practices liability is a separate policy; farms with several employees should consider it. Wording reviewed: 09 94 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.
