What it does
FP 12 12 adds a condition to FP 00 90 requiring the insured to maintain the burglary and robbery protective safeguards identified by symbol in the schedule at the described premises.
Who needs it
Farms with high-value equipment, chemicals or stored products where alarm systems or other safeguards were part of underwriting.
Quoting and selling notes
Confirm the listed safeguards exist and stay in service. Wording reviewed: 09 03 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.
