What it does
FL 10 23 is filed by ISO as Exclusion – Unmanned Aircraft for farm liability; FL 10 26 appears in carrier filings with a similar title.
Who needs it
Carriers attach it when they will not cover drone liability.
Quoting and selling notes
If the farm flies drones, ask for FL 04 28 or a separate aviation policy.
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.
