Question on Disruption of Farming Operations and Livestock. The form states (FP 15 10): If a Covered Cause of Loss causes direct physical loss to the farm buildings, machinery, supplies or equipment described in the Schedule and located at or pertaining to an "insured location"… this would lead one to believe that the loss must occur to the things listed above. The question we have is can a loss to livestock trigger a DOFO loss?

Ohio Subscriber

I believe you mean form FP 15 01, not FP 15 10. The endorsement specifically states that farming operations includes only those operations that are listed on the form's schedule. If a covered cause of loss occurs to the buildings, machinery, supplies or equipment listed in the schedule and the scheduled property is located on the insured location, and if loss to that scheduled property results in disruption of farming operations then there is coverage for the listed types of disruption. Unless the operation involving livestock is somehow scheduled onto the endorsement, we don't see how there would be coverage for a loss of livestock that somehow triggered a reduction in profit, increase in loss, continuing payroll and operating expenses, extra expenses to resume normal operations, or expenses incurred to repair the damaged property.