What it does
FL 10 99 appears in ISO and carrier filings as Exclusion – Animal Liability, with a New York version (FL 10 93).
Who needs it
Carriers attach it for specific animals or breeds with bite or attack history.
Quoting and selling notes
Read the schedule to see which animals are excluded and look for alternatives before the insured relies on the policy for animal claims.
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.
