1. Forms
2. FP
3. FP-05-22

What the Form Is

The FP 05 22 Cab Glass Breakage endorsement is designed to provide specific coverage for damage to the glass components of cabs on scheduled mobile agricultural machinery or farm vehicles. It explicitly covers the breakage of such glass and also includes coverage for expenses related to temporary installations made to protect the vehicle or machinery from further damage resulting from the broken cab glass. A key feature of this endorsement, particularly clarified in the 06 25 edition, is that no deductible applies to losses covered under this endorsement.

Classes of Business It Applies To

This endorsement is specifically for agricultural businesses that own and operate mobile machinery or vehicles equipped with cabs. This includes, but is not limited to:

• Farms using tractors with enclosed cabs.
• Operations utilizing combines, harvesters, or sprayers with glass-enclosed operator stations.
• Any farm vehicle identified in the schedule that has a cab with glass components.

For example, if a farmer has a new tractor with a sophisticated, climate-controlled cab, this endorsement would cover the breakage of its windshield or windows.

Special Considerations

• Scheduling is Required: For coverage to apply, the specific mobile agricultural machinery or farm vehicle must be described in the Schedule of the endorsement, including details like item number, description, year, make, model, and serial number.
• Coverage Exclusivity: The endorsement states that there will be no coverage under the Mobile Agricultural Machinery And Equipment Coverage Form (FP 00 30) or Coverage E (Scheduled Farm Personal Property) or F (Unscheduled Farm Personal Property) of the Farm Property – Farm Personal Property Coverage Form (FP 00 13) for a loss to which the FP 05 22 applies. This prevents duplication of coverage.
• Valuation: In the event of loss, payment is typically for the lesser of the actual cash value at the time of loss (but no more than the amount to repair or replace) or the cost to repair or replace the broken glass with the closest equivalent cab glass obtainable. This is important for older vehicles where exact replacement glass may not be available.
• Updated Language: The 06 25 edition includes updates to specifically state that no deductible applies and incorporates editorial changes for consistency with other ISO forms.

Key Information for Agents and Underwriters

• Risk Assessment: This endorsement addresses a common exposure for modern farm equipment, which often features extensive and expensive cab glass. Agents should discuss this coverage with clients who have such equipment.
• No Deductible: The absence of a deductible is a significant selling point and an important factor for underwriters to note in terms of potential loss frequency and severity for this specific coverage.
• Proper Scheduling: Agents must ensure that all eligible machinery and vehicles are accurately and completely scheduled to avoid coverage gaps. Underwriters should verify that scheduled items are appropriate for this coverage.
• Attachment: This endorsement can be attached to various farm property forms, including the Causes of Loss Form - Farm Property (FP 10 60), the Farm Property - Farm Personal Property Coverage Form (FP 00 13), the Farm Property - Other Farm Provisions Form - Additional Coverages, Conditions, Definitions (FP 00 90), and the Mobile Agricultural Machinery and Equipment Coverage Form (FP 00 30).
• Loss Control: While the endorsement covers breakage, encouraging clients to take preventative measures (e.g., careful operation, proper storage) can still be part of a good risk management strategy.