Personal and Commercial Exposures

Summary: In the prior programs, the causes of loss were contained in the single farm property coverage form. The current program has five separate coverage forms. The causes of loss for all are now found in the causes of loss form—farm property, FP 10 60 09 03. The level of coverage is triggered for each item by showing “basic,” “broad,” or “special” in the “covered causes of loss” column on the “coverages provided” or schedule section of the farm property declarations. The insured may elect any of the three levels of coverage for each item of coverage, except that the special coverage may not be used for livestock, other animals, poultry, bees, fish, or worms. Following is a discussion of the form.

Topics covered: Covered causes of loss Basic covered causes of loss Broad covered causes of loss Special covered causes of loss Exclusions

Causes of Loss Form – Farm Property

A. Covered Causes Of Loss

Covered Causes of Loss means the causes as described and limited under either Paragraph B. or C. or D. below in accordance with a corresponding entry of either Basic or Broad or Special, respectively, on the Declarations opposite each Coverage or property to which this insurance applies. Covered Causes of Loss are also limited by the Exclusions in Section E.

However, certain property is covered only for particular causes of loss, as listed under the following items: the Coverage Extension to Coverages A; Paragraphs 1.b., 1.c.(2), 1.e., 1.k., 1.l., 1.m., 1.n. and 1.o. of Coverage E Covered Property; Paragraphs 1.a. and 1.b.(2) of Coverage F Covered Property; G. of the Coverage Extensions to Coverage F; and Paragraph B. of the Coverage Extensions to Coverage G.

Analysis

This portion of the form clarifies that the causes of loss do not apply to all farm property. The coverage forms themselves must be referred to. For coverage A-dwellings, refer to the farm property – farm dwellings, appurtenant structures and household personal property coverage form FP 00 12 09 03. Under this form, trees, shrubs, plants and lawns are covered only if loss or damage is caused by or results from any of the following Covered Causes of Loss: fire or lightning, explosion, riot, civil commotion, aircraft, vehicles not owned or operated by a resident of the covered “dwelling”, vandalism, or theft. For coverage E—scheduled farm personal property (refer to farm personal property coverage form FP 00 13 09 03) For example, 1.b. states that the following is covered property: “grain in stacks, shocks, swathes or piles in the open, but for this property fire and lightning, vandalism, vehicles and theft are the only covered causes of loss.”

Basic Covered Causes of Loss