ISO Farm Coverage—Archived Article

March, 1998

Introduction

Summary: The current Insurance Services Office program for insuring farms is described in rules set out in division four, Farm, of the ISO Commercial Lines Manual. The forms and endorsements have used simplified language, since the current program was initiated in 1987. It was changed in October, 1988, in June, 1990, in August, 1993, and again in January, 1998. This and the other discussions of the current program in the following Farms pages examine the latest changes, January, 1998.

In designating the forms and endorsements of the farm coverages, ISO uses the letters FP for farm property, including farm inland marine. Farm liability forms are all designated FL.

The general concept of the farm coverages and the rules applying to them are reviewed in these pages. Detailed examinations of the various coverages will be found in additional treatments following under this tab.

Package or Monoline Policies

A single set of forms and endorsements is used for both monoline and package policies. Because farms share similarities with both residential and commercial risks, the farm forms have characteristics in common with both homeowners and commercial forms.     

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