1. Breakage of glass constituting a part of the cab of the scheduled mobile agricultural machinery or farm vehicle(s); and 

2. On expenses you incur in making temporary installations to protect the mobile agricultural machinery or farm vehicle(s) described in the Schedule from further damage resulting from the cab glass being broken.

Analysis

The form begins with a schedule that requires an item number, description of mobile agricultural machinery or farm vehicle, year, make and model, and serial or other identification number. The vehicle must be scheduled in order for coverage to be available for breakage of glass that is part of the cab of the vehicle. If the cab glass is broken, coverage is also available for expenses incurred in making temporary repairs in order to protect the machinery or farm vehicle from further damage.

B. Other Provisions 

1. There will be no coverage under the Mobile Agricultural Machinery And Equipment Coverage Form or Coverage E or F of the Farm Property – Farm Personal Property Coverage Form for a loss to which insurance provided under this endorsement applies. 

2. The following are the only provisions that apply to the coverage provided by this endorsement: 

a. In the Mobile Agricultural Machinery And Equipment Coverage Form: 

(1) Under B. Exclusions: 

(a) Governmental Action; 

(b) Intentional Loss; 

(c) Neglect; 

(d) Nuclear Hazard; and 

(e) War And Military Action; 

(2) Under E. Farm Inland Marine Conditions – Loss Conditions: 

(a) Duties In The Event Of Loss; 

(b) Other Insurance Agreement; and And Service (c) Transfer Of Rights Of Recovery Against Others To Us; and

(3) Under E. Farm Inland Marine Conditions – General Conditions: 

(a) Concealment, Misrepresentation Or Fraud; 

(b) Legal Action Against Us; 

(c) Liberalization; and 

(d) Policy Period, Coverage Territory. 

b. In Farm Property – Other Farm Provisions Form – Additional Coverages, Conditions, Definitions: 

(1) Under B. Farm Property Conditions – Loss Conditions: 

(a) Duties In The Event Of Loss Or Damage; 

(b) Legal Action Against Us; 

(c) Other Insurance Agreement; and And Service 

(d) Transfer Of Rights Of Recovery Against Others To Us; and 

(2) Under B. Farm Property Conditions – General Conditions: 

(a) Concealment, Misrepresentation Or Fraud; and 

(b) Liberalization.

c. In the Causes Of Loss Form – Farm Property, under E. Exclusions: 

(1) Governmental Action; 

(2) Intentional Loss; 

(3) Neglect; 

(4) Nuclear Hazard; and 

(5) War And Military Action. 

3. The Valuation Loss Condition in the Mobile Agricultural Machinery And Equipment Coverage Form and the Farm Property – Farm Personal Property Coverage Form is replaced by the following: Valuation In the event of breakage of glass constituting a part of the cab of the scheduled mobile agricultural machinery or farm vehicle(s), we will settle for the lesser of: 

a. The actual cash value as of the time of loss, but we will not pay more than the amount necessary for repair or replacement of the broken cab glass; or 

b. The amount it would cost to repair or replace the broken cab glass with the most closely equivalent cab glass obtainable. 

4. No deductible applies to the coverage provided by this endorsement.

Analysis

There are other conditions that apply to specific forms that the endorsement can be attached to. In the Mobile Agricultural Machinery and Equipment Coverage Form FP 00 30, the only exclusions that apply from B. Exclusions are governmental action, intentional loss, neglect, nuclear hazard, and war and military action. The exclusions are modified because the endorsement only applies to breakage of glass in the cab; therefore, only certain exclusions need to apply. Under E. Farm Inland Marine Conditions - Loss Conditions of the same form, the conditions that apply to this endorsement are duties in event of a loss, other insurance and service agreement, and transfer of rights of recovery against others to us. Under E. Farm Inland Marine Conditions - General Conditions, the applicable conditions are concealment, misrepresentation or fraud, legal action against us, liberalization, and policy period and coverage territory.

Similar changes to the conditions are made for the Farm Property - Other Farm Provisions Form - Additional Coverages, Conditions and Definitions. Under B. Farm Property Conditions - Loss Conditions, duties in event of a loss, legal action against us, other insurance and service agreement, and transfer of rights of recovery against others to us are the only conditions that apply to this endorsement. Under B. Farm Property Conditions - General Conditions, the applicable conditions are concealment, misrepresentation, or fraud and liberalization.

In the Cause of Loss Form - Farm Property, under E. Exclusions only governmental action, intentional loss, neglect, nuclear hazard, and war and military action are applicable to this endorsement.

The valuation loss condition in the Mobile Agricultural Machinery and Equipment Coverage Form and the Farm Property - Farm Personal Property Coverage Form is replaced. In the event of breakage of glass that is part of the cab of a scheduled vehicle in this endorsement, payment is for the lesser of actual cash value at the time of loss, but no more than the amount necessary to repair or replace the glass, or the amount it would cost to repair or replace the broken glass with the closest equivalent cab glass obtainable. If the vehicle is older, the exact same glass may no longer be available for replacement. In which case, the available glass that is the closest equivalent to the older glass will be used. There is no deductible that applies to this coverage.

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