FL 04 28 06 25 Limited Coverage For Designated Unmanned Aircraft Analysis
Like the other new farm endorsements, this endorsement applies to the Farm Liability Coverage Form FL 00 20. With the growing use of drones that didn’t exist when the farm program was originally developed, the need has developed for drone endorsements to provide coverages and exclusions. The Limited Coverage for Designated Unmanned Aircraft form FL 04 28 is one such endorsement.
Since the endorsement provides limited coverage only for scheduled unmanned aircraft and projects, it begins with a schedule that allows the insured to select bodily injury and property damage coverage, personal injury and advertising injury coverage, or both, with the craft and the projects the craft are being used for being shown in the schedule, with an aggregate limit of insurance. If the aggregate limit section is completed, then any coverage provided is subject to that aggregate limit.
Christine G. Barlow, CPCU
Christine G. Barlow, CPCU, is Executive Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over thirty years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.