What it does
FL 10 16 is the farm liability cannabis exclusion filed by ISO with a 06 25 edition; FL 10 17 is the version with a hemp exception and FL 10 21 applies to the personal liability endorsement.
Who needs it
Farms with any cannabis exposure.
Quoting and selling notes
Ask about cannabis and hemp growing, processing or leasing land to growers.
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.
