What it does
FL 10 10 excludes bodily injury liability and medical payments for injury to residence employees shown in the schedule arising in the course of their employment by the designated insured.
Who needs it
Farm households with domestic employees covered by workers compensation.
Quoting and selling notes
Confirm WC covers those employees before agreeing to the exclusion. 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.
