What it does
FP 10 20 is ISO's cyber incident exclusion for farm property, filed with a 06 25 edition in the 2024 farm revision. It excludes property loss caused by cyber incidents such as unauthorized access, malicious code or denial of service attacks on computer systems.
Who needs it
Farms whose equipment, milking systems, grain dryers, irrigation or climate controls are networked or connected.
Quoting and selling notes
Recommend standalone cyber coverage for farms with connected systems or online sales.
Before presenting it
Ask the carrier for the specimen and read it with the farm coverage form it modifies before explaining it to the insured.
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.
