What it does
Carrier forms schedules list IH 00 69 as the Animal Mortality Coverage Form, and the ISO commercial inland marine index lists Animal Mortality Declarations (IH DS 69, 12 11). ISO publishes this form in its IH series of commercial inland marine forms. IH forms are used within the Commercial Inland Marine Coverage Part, together with the Commercial Inland Marine Conditions (CM 00 01) and the Common Policy Conditions.
Who needs it
Owners of high-value animals such as horses, breeding stock, show animals and zoo animals, and lenders financing them.
Quoting and selling notes
Ask for each animal's value, age, breed, use and health records, and whether veterinary certificates are needed. Farm livestock on a farm policy is usually covered by FP 00 40 instead.
Before presenting it
ISO's IH forms are often adopted with carrier changes, and their wording differs from the filed CM forms. Obtain the carrier's specimen and walk the insured through covered property, property not covered, the exclusions, valuation, the deductible and any coinsurance or reporting condition, and match the limits to a current schedule of values.
