What it does
FL 10 64 is filed by ISO and carriers as the exclusion for injury or damage from genetically modified beans, crops, grains, seeds, plants, shrubs or trees.
Who needs it
Crop farms planting genetically modified varieties near organic or non-GMO growers.
Quoting and selling notes
Ask what varieties are grown and the neighbors' crops; cross-contamination claims 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.
