What it does
FL 10 15 is ISO's Raw Milk Exclusion for farm liability, 06 25 edition, filed in the 2024 farm revision with an umbrella counterpart (FB 10 72).
Who needs it
Dairy, goat and sheep farms that sell or give away raw milk or raw milk products.
Quoting and selling notes
Ask every dairy account whether raw milk is sold, shared through herd shares or used in products. Explain that foodborne illness claims from these products are excluded.
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.
