What it does
FP 10 04 adds covered causes of loss to the Livestock Coverage Form, including accidental shooting (not by insureds, employees or residents), drowning from external causes (not swine under 30 days old), electrocution, attack by dogs or wild animals (not sheep, and not animals owned by insureds or residents), and loading or unloading accidents.
Who needs it
Livestock operations that want broader perils than FP 00 40 provides.
Quoting and selling notes
Compare the price with the uplift in protection, particularly for cattle on pasture near roads and waterways. Wording reviewed: 10 06 edition.
How it fits the farm policy
A farm program endorsement changes only the coverage forms named in its "this endorsement modifies" list. Everything else in the Farm Coverage Part keeps working as written: the FP 00 90 additional coverages, conditions and definitions, the causes of loss selected from FP 10 60, and the farm liability forms. When presenting a quote, list each farm endorsement with its schedule entries (insured location, building or item, limit, deductible) so the insured can see exactly where the base coverage was broadened or narrowed.
