Includes copyrighted material of Insurance Services Office, Inc., with its permission.

 July 3, 2017

Designed to Meet the Special Needs of Farmers

Summary: ISO developed the farm umbrella liability policy (FB 00 01 04 16) to provide higher limits and broader coverage for farmers whose basic liability coverage is provided by the farm liability coverage form (FL 00 20 04 16). Subject to a self-insured retention, the FB 00 01 provides excess liability coverage for losses that exceed the underlying limits for: bodily injury and property damage (Coverage H); and personal injury and advertising injury (Coverage I). The farm umbrella liability policy provides: (1) higher limits of insurance over primary underlying coverage; (2) broader coverage than is generally available under primary underlying coverage; and (3) a drop-down feature when underlying coverage is exhausted.

This article offers a review and an analysis of the current ISO farm umbrella liability policy with its insuring agreement, exclusions, conditions, and definitions.

Topics covered:

Coverage H – Bodily Injury and Property Damage Liability, Insuring Agreement

Various provisions in this Policy restrict coverage. Read the entire Policy carefully to determine rights, duties and what is and is not covered.

Throughout this Policy the words "you" and "your" refer to the Named Insured shown in the Declarations, and any other person or organization qualifying as a Named Insured under this Policy. The words "we", "us" and "our" refer to the Company providing this insurance.

Other words and phrases that appear in quotation marks have special meaning. Refer to Section IV – Definitions.

This premium content is locked for FC&S Coverage Interpretation Subscribers

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis