What it does
FL 10 19 is ISO's PFAS exclusion for farm liability, 06 25 edition, with an Alaska version (FL 10 28) and an umbrella counterpart (FB 10 71).
Who needs it
Farms with any possible PFAS exposure in soil, water, inputs or products sold.
Quoting and selling notes
Ask about soil amendments applied to the land and any water or soil testing.
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.
