What it does
FL 10 18 is filed by ISO and carriers as the Cyber Incident Exclusion for farm liability, part of the 2024 farm revision that also added FP 10 20 and FB 10 73.
Who needs it
Farms with connected equipment, online sales or customer data.
Quoting and selling notes
Recommend cyber coverage; explain that liability from hacked systems is 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.
