What it does
FP 10 28 is the farm program's cannabis property exclusion with a hemp exception, filed by ISO alongside FP 10 27.
Who needs it
Hemp growers and processors insured on farm policies.
Quoting and selling notes
Confirm the crop meets legal hemp requirements; product that does not may fall outside the exception.
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.
