Additional Farm Premises Rented to Others

Additional Insured and Residence Premises

Additional Insured — Executors, Administrators, Trustees or Beneficiaries

Additional Insured — Farm Liability

Additional Residence Rented to Others

Amendatory Endorsement

Animal Rides for Profit or Charity

Animals in Contests or Stunting Activities

Basic Farm Premises Liability

Binding Arbitration

Broad Farm Premises Liability

Business Activities

Custom Farming Liability Coverage

Farm Employers Liability

Liability Exclusion

Limited Crop Dusting Coverage

Limited Farm Pollution Extension

Limited Home Day Care Coverage

Non-Binding Arbitration

Owned Snowmobile Coverage

Personal Liability

Waiver of Transfer of Rights of Recovery

Watercraft

Additional Farm Premises Rented to Others, FL 04 29 01 98

WITHDRAWN

 This endorsement makes the farm premises listed in the schedule an insured location under coverage H (BI and PD) and coverage J (med pay). Also, exclusion 2.l.(2) under coverage H of FL 00 20 04 16—rental of premises—does not apply to the farm premises listed in the schedule of FL 04 29. This form was withdrawn by ISO in 2003 and has not been replaced by another form.

 Additional Insured and Residence Premises, FL 04 07 10 88

 Under the definition of "insured" on the farm liability coverage form, relatives and persons under the age of twenty-one who are in the care of the named insured and who are members of the named insured's household are given insured status. Other people who are members of the named insured's household that do not fall into this definition may be added as additional insureds through the use of endorsement FL 04 07. Additional residences may also be added as insured locations.

 Additional Insured – Executors, Administrators, Trustees or Beneficiaries, FL 04 32 04 16

 This optional form allows executors, administrators, trustees, or beneficiaries of the named insured's estate to be made additional insureds under FL 00 20. This form was revised in 2016 to explain the coverage granted. The coverage applies to the additional insureds only as the law allows, and if coverage is required by a contract or agreement, coverage does not expand beyond that contract or agreement. The most paid out in event of the existence of a contract or agreement is the lesser of that required by the contract or agreement or limits listed on the declarations. This endorsement does not increase the limits on the policy.

 Additional Insured – Farm Liability, FL 04 50 04 16

 This endorsement extends farm liability coverage to the following: (1) person or organization from whom the named insured leases land; (2) person or organization who is lessor or real estate manager of premises leased to the insured; (3) independently contracting operator-manager of a farm owned by or leased to the insured; (4) person or organization leasing equipment to the named insured; (5) vendor who sells or distributes the insured's products; (6) nonresident co-owner of a residence away from the farm premises; (7) persons or organizations who exercise financial control over the insured; or (8) additional insureds who are relatives who co-own and help operate the farm but resides off premises. These entities are made additional insureds under the conditions as noted on the endorsement.

 The same language regarding contracts and insurance applying only to the extent permitted by law as shown in FL 04 32 is added to each section of this form. The expansion of additional insured status to those shown as vendors is limited in that demonstration, installation, servicing or repair operations performed at the vendor's premises in connection with the sale of the product is not included in coverage. This is a new limitation shown in the form.

 Additional Residence Rented to Others, FL 04 06 01 98

 This endorsement provides bodily injury, property damage, and medical payments coverages for the insured's liability arising out of the ownership of residences that are regularly rented to others. Such residences must be scheduled on the endorsement to be included as insured locations. This endorsement also deletes exclusion 2.l.(2) of coverage H of FL 00 20—rental of premises—as it pertains to the residences scheduled on the endorsement. FL 04 06 is similar to FL 04 29 except that the latter endorsement deals with farm premises, and FL 04 06 pertains to residences.

 Amendatory Endorsement, FL 01 63 04 16

 Under the rules of the 1990 farm program, amendatory endorsement FL 01 63 was required to be added to farm liability coverage form FL 00 20 (unless limited farm pollution liability coverage endorsement FL 04 30—discussed later—is used). The endorsement adds a basic level of coverage for farm pollution liability. Form FL 00 20 already provides pollution coverage for pollution damage from a hostile fire; form FL 01 63 adds to that coverage (via exceptions to the exclusion), pollution damage from fires used in the burning of crop stubble or vegetation.

 Additionally, endorsement FL 01 63 adds chemical drift liability coverage as coverage M. Chemical drift liability coverage is for sums that the insured becomes legally obligated to pay as damages for physical injury to crops or animals due to the dispersal or escape into the air (release or escape from airplanes is not covered) from the insured location of chemicals or liquids, gases that the insured uses in normal and usual agricultural operations. For example, farmer Brown has barrels of fertilizer on his property. On a particularly windy day the tops blow off the barrels and large amounts of fertilizer blows onto Farmer Green's crops, causing fertilizer burn. The incident is covered. The coverage under FL 01 63 is not for indirect or consequential damage such as loss of market for crops or animals and is not to be used for pollution cleanup expenses. FL 01 63 offers chemical drift liability coverage in the annual aggregate amount of $25,000.

 The 2003 form made some minor changes to the exclusions. Drift coverage is now excluded not only for the request, demand, or order to the insured to test for, clean up, or remove pollutants, but statutory or regulatory requirements that the insured do so are also included in the exclusion. An exception is added that the exclusion for claims or suit by or on behalf of a governmental authority does not apply to liability that the insured would have in the absence of such governmental statute, regulation or request. If the insured would have been liable for the loss regardless of any claim by the government to clean up, contain, respond, or assess pollutants regardless of said claim, then the exclusion does not apply. The 2016 revision has minor wording changes for clarification that do not change coverage.

 Animal Rides for Profit or Charity, FL 04 41 01 98

 This endorsement provides BI and PD coverage and med pay coverage when livestock or other animals are used to provide rides to any person for a fee or for a charitable event.

 Animals in Contests or Stunting Activities, FL 04 40 01 98

 This endorsement does the same thing as FL 04 41 when the livestock or other animals are used in practice or preparation for a prearranged racing, speed or strength contest or prearranged stunting activity.

 Basic Farm Premises Liability, FL 04 11 04 16

 Certain types of farm operations are ineligible for coverage with farm liability coverage form FL 00 20: 1. farms where the principal purpose is to supply commodities the insured uses in manufacturing or processing items for sale to others (creameries or dairies, for instance); 2. freezing or dehydrating plants; 3. farms with farm dwellings with more than four families; and 4. farms on which farm dwellings are used for business purposes other than permitted incidental occupancies. These operations obtain liability coverage by adding either basic farm premises liability endorsement FL 04 11 or broad farm premises liability endorsement FL 04 37 to the occurrence version of commercial general liability coverage form (CG 00 01 12 07).

 FL 04 11 provides some BI and PD liability coverage and med pay coverage pertaining to the farm operations of the insured. FL 04 11 also provides chemical drift liability coverage, with an annual aggregate limit of $25,000.

 The 2006 form modifies the form to some extent. The exclusion for expected or intended injury is expanded so that even if the injury or damage is of a different kind than expected or is sustained by a different person than intended, the act is still excluded. An intentional act is an intentional act; if an insured intends to damage a neighbor's car and mistakenly damages the wrong vehicle, the insured's intent was still to cause damage.

 The 2016 form adds an outline to the structure of the form. The 2016 form expands on the exclusion for professional services. It states that the exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, training, or monitoring of others by the insured if the occurrence causes the injury or damage involved in the rendering or failure to render such services.

 Under medical payments, not only is injury to persons engaged in work usual or incidental to the use of the farm premises excluded, but work usual or incidental to the maintenance of the premises is also excluded. Maintenance and use are two different things. Growing crops is using the premises, but repainting the barn is maintenance. An injury sustained by a person engaged in either activity is excluded.

 Drift coverage is now excluded not only for the request, demand, or order to the insured to test for, clean up, or remove pollutants, but statutory or regulatory requirements that the insured do so are also included in the exclusion. An exception is added that the exclusion for claims or suit by or on behalf of a governmental authority does not apply to liability that the insured would have in the absence of such request, demand, statute, or regulation by or on behalf of a governmental authority. If the insured would have been liable for the loss regardless of any claim by the government to clean up, contain, respond, or assess pollutants regardless of said claim, then the exclusion does not apply.

 The 2006 form added the condition that if the insured fails to comply with the duties described in the policy, that the carrier does not have the duty to provide coverage for the insured. The failure to comply with listed duties must be prejudicial to the carrier. If the insured withholds information or evidence that the carrier needs to conduct an investigation, the carrier is then released from providing any coverage to the insured.

 Binding Arbitration, FL 99 01 06 90

 This endorsement makes arbitration binding on the insured and the insurer. If either party does not agree whether coverage is provided under FL 00 20, then either party may make a written demand for arbitration. A decision agreed to by two of the arbitrators will be binding. This form has been withdrawn from a number of states over the years. It is still in use in Alabama, Alaska, Arizona, California, Colorado, Connecticut, District of Columbia, Hawaii, Idaho, Illinois, Indiana, Iowa, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Nevada, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, Tennessee, Texas, Wisconsin, and Wyoming.

 Broad Farm Premises Liability, FL 04 37 04 16

 This endorsement is added to the CGL form and makes the insurance under the CGL form apply with respect to liability arising out of the ownership, use or maintenance of farm premises for farming purposes. FL 04 37 makes a point out of giving the insured some limited pollution liability coverage.

 Drift coverage is now excluded not only for the request, demand, or order to the insured to test for, clean up, or remove pollutants, but statutory or regulatory requirements that the insured do so are also included in the exclusion. An exception is added that the exclusion for claims or "suit" by or on behalf of a governmental authority does not apply to liability that the insured would have in the absence of such request, demand, statute, or regulation by or on behalf of a governmental authority. If the insured would have been liable for the loss regardless of any claim by the government to clean up, contain, respond, or assess pollutants regardless of said claim, then the exclusion does not apply.

 The exclusion for expected or intended injury is expanded so that even if the injury or damage is of a different kind than expected or is sustained by a different person than intended, the act is still excluded. An intentional act is an intentional act; if an insured intends to damage a neighbor's car and mistakenly damages the wrong vehicle, the insured's intent was still to cause damage.

 The 2016 form adds an exclusion for the rendering or failure to render professional services that result in bodily injury or damage. There are other minor wording changes that make no changes to coverage.

 An exception has been added to the exclusions for medical payments. If a person who is assisting the insured in a neighborly exchange of assistance for which the insured is not obligated to pay any money, coverage exists for an injury to the neighbor. It's not unusual for farmers to help each other out on one another's farm; this allows that to happen and maintain goodwill between neighbors. For example farmer Brown helps farmer Green bring in his hay, and farmer Green helps farmer Brown bring in his potatoes, there is coverage as long as no funds exchange hands.

 The conditions section of the form now states that the carrier has no duty to provide coverage if the failure to comply with the duties described in the conditions is prejudicial to the carrier. For example, if the insured withholds information or delays in providing documentation that is material to the claim, the carrier can deny coverage because their investigation was compromised.

 Business Activities, FL 04 43 04 16

 This endorsement allows for rental of part of the "insured location" to others. The endorsement deletes the exception for residence employees, so that there is no coverage for injury to them or consequential injury to their family members. It also adds an exclusion of corporal punishment administered by or at the direction of the named insured. The final addition is a host liquor liability exclusion, with the option to buy-back the coverage with an indication in the schedule at the front of the form.

 The 2016 revision expands on the liquor liability exclusion and states that coverage does not apply to causing or contributing to the intoxication of an individual, including if alcoholic beverages were permitted to be brought onto the property for consumption. The exclusion—because of statutes, ordinances, or regulations regarding the sale, gift, distribution, or use of alcoholic beverages—applies even if the claims allege negligence or wrongdoing in the supervision, hiring, employment, or monitoring of others by the insured or providing or failing to provide transportation to people under the influence of alcohol if the occurrence is due to excluded activity.

 Coverage H exclusion under Section I Coverages, Coverage H Bodily Injury, and Property Damage Liability is replaced with an exclusion for sexual molestation, corporal punishment, or physical or mental abuse. The exclusion does not apply to property damage sustained by any pupil and resulting from corporal punishment administered at the direction of an insured.

 The professional services exclusions is expanded to include claims that allege negligence or other wrongdoing in the hiring, supervision, employment, training, or monitoring of others. The business exclusion has been expanded to include agritainment.

 Custom Farming Liability Coverage, FL 04 69 09 03

 Custom farming operations refer to those operations an insured performs for others for a fee under a contract or agreement. The farm liability coverage form (FL 00 20) insures such operations if they do not generate over $5,000 in receipts. Insureds who require coverage for a greater volume of custom farming operations may use this endorsement.

 When the 2003 endorsement is used, the exclusion for damage to property owned, rented, sold, loaned, or in the care of the insured does not apply to the coverage provided in this endorsement. Also, the form now specifies that the due date for audit premiums is the date shown as the due date on the bill.

 Farm Employers Liability, FL 04 65 04 16

 This endorsement offers farm employers liability coverage and farm employees med pay insurance. It can be attached to FL 00 20 or to the CGL form. FL 04 65 offers to pay those sums that the insured becomes legally obligated to pay as damages because of BI sustained by a farm employee arising out of and in the course of employment by the insured. And, the endorsement offers to pay to or for each farm employee who sustains BI caused by an accident, all reasonable medical expenses to which the insurance applies. FL 04 65 basically combines the employers liability coverage from a workers comp policy with med pay coverage.

 The 2006 revision of the form added an exception for the costs, expenses, and interest amounts explicitly provided for in the Farm Liability Coverage Form under paragraph a. of the Additional Coverages, and in the Commercial General Liability form under paragraph 1. of Supplementary Payments.

 A new coverage was provided as well, the Optional Extension of Coverage for occurrences involving motor vehicles, autos, and watercraft. Coverage is provided for medical expenses to any farm employee injured in an "occurrence" involving the maintenance, use, operation, or loading/unloading of a motor vehicle, auto, or watercraft as long as the employee was acting within his normal farm duties.

 If this endorsement is attached to a CGL coverage form, the definition of "volunteer worker" as shown in that form under section V does not apply to the coverage provided under this endorsement. Also, the form now specifies that the due date for audit premiums is the date shown as the due date on the bill. The 2016 revision makes minor wording changes that do not affect coverage.

 Liability Exclusion, FL 10 10 09 03

 This endorsement is for employees of designated insureds and may be used to schedule residence employees for whom liability and medical payments coverage is to be excluded, though bodily injury sustained by these residence employees is covered if it results from assisting the insured in "personal sport activities." The 2003 form also excludes medical payments incurred or ascertained in connection with the excluded bodily injuries of a residence employee.

 Limited Crop Dusting Coverage, FL 04 44 04 16

 For an additional premium, this form pays for physical injury to crops and animals caused by or resulting from crop dusting operations conducted for the named insured by an independent contractor by aircraft; the operations have to be consistent with normal and usual agricultural practice.

 However, the following operations are not covered: (1) those performed by an unlicensed or improperly licensed contractor; (2) those performed at a time or place prohibited by federal, state, or local authority; and (3) those involving the use of a prohibited substance. Also excluded are occurrences where the aircraft is owned, operated, or rented by the insured or employees; injuries to crops or animals arising out of the crash of the aircraft or the leakage of fuel following a crash; damages assumed in a contract or agreement; and injury to the insured's crops or animals.

 The current endorsement provides some expanded coverage in the area of "insured contracts," specifically those dealing with operations within fifty feet of railroad property. The form now excludes only hold-harmless agreements made with a railroad. Thus, the insured now has coverage for such agreements made with an organization or person other than a railroad, within fifty feet of railroad property.

 The available limit of liability is $25,000, which represents the per occurrence and aggregate limits. The premium, if the insured chooses, is auditable.

 Drift coverage is now excluded not only for the request, demand, or order to the insured to test for, clean up, or remove pollutants, but statutory or regulatory requirements that the insured do so are also included in the exclusion. An exception is added that the exclusion for claims or "suit" by or on behalf of a governmental authority does not apply to liability the insured would have in the absence of such request, demand, statute or regulation by or on behalf of a governmental authority. If the insured would have been liable for the loss regardless of any claim by the government to clean up, contain, respond, or assess pollutants regardless of said claim, then the exclusion does not apply.

 The 2003 form stated that words in quotation marks have the meanings assigned in the Definitions section of the Farm Liability Coverage Form unless otherwise defined in the endorsement. Also, the form specifies that the due date for audit premiums is the date shown as the due date on the bill. The 2016 form has minor wording changes not affecting coverages.

 Limited Farm Pollution Extension, FL 04 30 09 03

 Farm liability coverage form FL 00 20 excludes coverage for on-premises pollution exposures and certain discharges which occur off-premises. Form FL 04 30 was introduced to provide some limited on-premises coverage.

 Instead of excluding liability for all pollution damage on-premises, this form only excludes pollution damage at or from a storage tank, other container, duct, or piping all of which are below or partially below the surface of the ground or water. Also excluded is such damage if the tank, etc. was once beneath the surface of the ground or water and has subsequently become exposed by erosion, excavation, or other means. It should be noted that no distinction is made between "sudden" and "gradual" release of pollutants.

 The form also establishes a special aggregate limit to which all pollution liability coverage is subject; and retains the exclusionary language for waste and clean-up costs ordered by a governmental authority.

 The 2003 form made a change in the exclusions. Drift coverage is excluded not only for the request, demand, or order to the insured to test for, clean up, or remove pollutants, but statutory or regulatory requirements that the insured do so are also included in the exclusion. An exception is added that the exclusion for claims or "suit" by or on behalf of a governmental authority does not apply to liability that the insured would have in the absence of such request, demand, statute, or regulation by or on behalf of a governmental authority. If the insured would have been liable for the loss regardless of any claim by the government to clean up, contain, respond, or assess pollutants regardless of said claim, then the exclusion does not apply. This form was withdrawn in New Hampshire in 2010 and in Oregon in 2014.

 Limited Home Day Care Coverage, FL 04 42 09 03

 This endorsement provides liability and medical payments coverage for insureds who operate day care services in the home. It adds these exclusions to those already in form FL 00 20: 1.Injuries arising out of molestation, corporal punishment, and mental or physical abuse by any person involved in the day care operation. 2. Injuries arising out of the maintenance, use, etc. of any of the following: draft or saddle animals, aircraft, motor vehicles, motorized cycling vehicles, or watercraft. The endorsement also deletes the limitation on property used in business, so that the property of the day care operation is given full coverage.

 The 2003 form modified the exclusion for draft animals, aircraft, motor vehicles, motorized cycling vehicles or watercraft. Included in the exclusion is the ownership or entrustment by the insured to any person of, or out of the failure to supervise or negligent supervision of any person involving the aforementioned items. So if the insured is giving the day care students riding lessons and a child is injured falling off a horse because the insured is talking to a neighbor, there is no coverage for any injuries to the child.

 Non-Binding Arbitration., FL 99 02 06 90

 This endorsement is similar to FL 99 01, except that with FL 99 02, the arbitration is not binding, and any decision agreed to by the arbitrators may be appealed to a court of competent jurisdiction. This has been withdrawn in Kentucky, Maryland, Montana, Nebraska, Oregon, South Dakota, Washington, and West Virginia

 Owned Snowmobile Coverage, FL 04 71 04 16

 While away from an insured location, owned snowmobiles are subject to a liability exclusion removing coverage with respect to their ownership, maintenance, use, and loading or unloading. Endorsement FL 04 71 overcomes these exclusions and provides coverage for bodily injury and property damage as respects scheduled snowmobiles — listed as to make or model and identified by serial number. The 2016 revision modifies this wording to injury or property damage, clarifying that both do not have to occur in order for there to be coverage. This endorsement extends coverage to BI and PD and gives med pay coverage for BI occurring off the insured location and arising out of the ownership, maintenance, use, loading or unloading of the snowmobiles described on the endorsement's schedule. The coverage does not apply to a snowmobile subject to motor vehicle registration, while used to carry persons for a charge, while used for business purposes, while rented to others, or while being operated in or in practice for any prearranged or organized race or speed contest.

 Under the 2006 form changes were made to the Farm liability coverage form. Insurance coverage under H – bodily injury and property damage liability applies to injury or damage arising out of the entrustment of an owned snowmobile to another person, or gives rise to vicarious liability for the actions of a child or minor using the snowmobile owned by the insured.

 Insurance under coverage J – medical payments applies to injury occurring off the insured location that arises out of the ownership, maintenance, use, loading or unloading of the owned snowmobile; the entrustment of the snowmobile to any person; and vicarious liability for the actions of a minor child involving an owned snowmobile. The exclusion for damages claimed by any person or organization for care, loss of services or death resulting from bodily injury does not apply under this endorsement.

 The same changes that the endorsement makes to the farm liability endorsement are made to the personal liability endorsement.

 Personal Liability, FL 04 12 04 16

 The rules of the ISO farm program permit insureds using the CGL and a farm premises liability endorsement (basic or broad) to also add liability coverage for their nonbusiness or personal activities through use of personal liability endorsement FL 04 12. The 2006 edition of the form altered the exclusions relating to motor vehicles, watercraft, and aircraft. The previous edition excluded ownership, maintenance, or use of these items by anyone. The 2006 form excluded only ownership by any insured. It then applied the remainder of the exclusion (maintenance, use, operation, or loading or unloading) to "any other person." The form also deleted the exclusion of negligent entrustment of these items, as well as statutorily imposed vicarious parental liability for them. And, in an expansion of coverage, the form provides liability coverage for watercraft with inboard or inboard-outdrive of fifty HP or less. The 2016 revision added subtitles throughout the form to aid in readability. Some wording was changed for clarification.

 The exclusion for expected or intended injury is expanded so that even if the injury or damage is of a different kind than expected or is sustained by a different person than intended, the act is still excluded. An intentional act is an intentional act; if an insured intends to damage a neighbor's car and mistakenly damages the wrong vehicle, the insured's intent was still to cause damage.

 The business exclusion includes acts or omissions regardless of circumstances that involve a service or duty rendered, promised, or owed because of the nature of the business. Also, the business exclusion allows someone under the age of twenty-one years to be involved in a part time or occasional business with no employees, such as babysitting or lawn mowing. The professional services exclusion has been expanded in the 2016 form. Professional services are excluded if the even if the claims allege negligence or wrongdoing in the supervision, hiring, training, or monitoring others by the insured if the occurrence causing injury or damage arises out of the professional services.

 An exception is made to the pollution exclusion for injury if it is sustained within a building and caused by smoke, fumes, vapors produced from heating, cooling, or dehumidifying equipment, or water heating equipment for personal use by the occupants and their guests. Also excepted is injury or property damage from heat, smoke, or fumes from a hostile fire. An exclusion exists at any premises, location, or site where any insured or subcontractors are working directly on the insured's behalf if they are performing operations to test for, monitor, clean up, remove, contain, or neutralize or in any way respond to pollutants. The pollution exclusion has been modified in the 2016 form. A exception is made under the exclusion when pollutants are brought onto the premises being working on if the injury or damage arises out of the escape of fuels, lubricants or other fluids which are normal for the operation of hydraulic or mechanical functions of mobile equipment or its parts, if the fluid escapes from the part designed to hold them. Injury or damage is also excepted if it is caused by the release of gases or fumes from materials brought into the site in connection with operations on that site.

 Another exception is made for property damage that the insured would have in the absence of requests, demands, orders, or regulations by a government authority.

 An exception to the motor vehicles exclusion is made for golf carts designed for up to four people, not modified to go more than twenty-five miles per hour, and owned by an insured. The exception applies as long as the cart is at a golfing facility and is parked, stored, or used there by the insured to play golf, travel to or from where the carts are parked, or cross public roads to get to other parts of the course. If the insured lives in a private residential community where the carts can legally travel upon public roads, an exception is made here as well.

 Entrustment of a motor vehicle or motorized land conveyance by the insured to any other person is excluded. Vicarious liability for the actions of a child or minor using such transportation is also excluded. The same exclusion applies to watercraft and aircraft, and the exclusion applies even if the claims against the insured allege negligence or wrongdoing in the hiring, employment, supervision, or training or monitoring of an employee.

 Costs incurred by the insured, any other person, organization or entity for repair, replacement, restoration or maintenance of property including prevention of injury to a person or property damage is excluded.

 Any injury that arises from personal injury is excluded. Any damage or injury that results from any action or omission that violates the provisions of the Telephone Consumer Protection Act, the CAN-SPAM Act, and any statute or ordinance that prohibits or limits the sending of material information is excluded. This has been expanded in the 2016 form to include injury or damage related to violations of the Fair Credit Reporting Act (FCRA).

 As is typical of most ISO forms, injury or damage resulting from war, warlike acts, insurrection, rebellion, revolution or other such actions and actions to defend from such attacks are excluded.

 Under coverage B, personal injury liability, an exclusion for personal injury caused by or at the direction of the insured, or arising out of oral or written publication is added. While criminal acts are excluded, the revised form makes it clear that the carrier still has a duty to defend the insured until through the legal process the insured has been proven to be responsible for a criminal act. The insured is innocent until proven guilty, and the carrier has to provide a defense until it is proven otherwise. The exclusion for business has been broadened to make clear that injury that arises out of acts or omissions involving services or duties rendered, promised, owed, or implied because of the nature of the business are excluded. The same exclusions for the Telephone Consumer Protection Act, the CAN-SPAM act, the FCRA or war or warlike action that is found under coverage A is also found in this section.

 New exclusions have been added for infringement of copyright, patent, trademark or trade secret, electronic chatrooms or bulletin boards, or unauthorized use of another's name or product. The infringement of copyright, trademark, patent, or other intellectual property rights is excluded. Such rights do not include the use of another's idea in the insured's advertisement. If the insured hosts, owns, or has control over an electronic chatroom or bulletin board, any damages that result are excluded, as is the unauthorized use of another's name or product in the insured's email address, domain name or metatag, or any other similar tactics to mislead customers. If the insured uses an email that is similar enough to a competitor's email to cause confusion and attract the competitor's customers, any damages are excluded.

 The limit under damage to property of others has been increased to $1,000 per occurrence.

 The definition of who is an insured now includes resident relatives. The prior form only included those resident relatives under the age of twenty-one Full time students are designated as insureds as long as they are under twenty-four and a relative or a person under twenty-one and in care of a resident relative.

 A revision is made to section III limits of insurance. The each occurrence limit is the most that will be paid for damages under coverage A and medical expenses under coverage C because of all injury or damage arising out of one occurrence. A special limit of $10,000 is added for losses the insured becomes legally obligated for due to statutorily imposed vicarious liability for actions of a minor.

 Under section IV commercial general liability conditions it states that the carrier has no duty to provide coverage if the insured has failed to comply with the required duties and such failure is prejudicial to the carrier.

 Waiver of Transfer of Rights of Recovery, FL 99 03 09 94

 This optional endorsement permits the company to waive its rights of recovery against a person or organization (named prior to loss, in the schedule) who performs work on behalf of the insured.

 Watercraft, FL 04 83 09 03

 The purpose of this endorsement is to remove the farm liability coverage form exclusions pertaining to the ownership, maintenance, or use of certain watercraft. The endorsement provides liability coverage, otherwise excluded, with respect to scheduled and described watercraft powered by one or more outboard motors of more than twenty-five total horsepower; any inboard or inboard-outdrive powered watercraft; and sailing vessels, with or without auxiliary power, twenty-six feet long or longer.

 Coverage under the endorsement does not apply to job-connected bodily injury to an insured's employee whose principal duties involve the maintenance or use of watercraft; nor does it apply while the watercraft is used to carry paying passengers or while it is rented to others. Neither does it apply while the boat is being used in any prearranged competition (including practice for such competition). An exception has been added to this exclusion for sailing vessels with or without auxiliary power or to predicted log cruises. Races with such craft or in this form do not present the same hazard that speed races with motor boats do.