Reviewed November 11, 2013

 Personal and Commercial Exposures

Summary: Under ISO's simplified language farm program, the farm liability coverage form (FL 00 20 10 06) may be combined with a declarations, a common policy conditions form (IL 00 17 11 98), and any applicable endorsements to form a monoline farm liability policy or it may be combined with other farm coverage forms (discussed elsewhere in this tab) in a multi-line policy. When this form is used, Amendatory Endorsement (FL 01 63 09 03), is a mandatory attachment unless Limited Farm Pollution Liability Extension (FL 04 30 09 03) is used instead. This form is used when an insured wants to cover general liability exposures on a commercial farm. This article offers an analysis of FL 00 20. Note that the provisions of the farm liability coverage form track, in part, with two other ISO liability forms: the commercial sections with the occurrence version of the commercial general liability coverage form (referred to in this discussion as the CGL) (CG 00 01 04 13); and the personal portions with section II of the homeowners form (HO 00 03 05 11).