A normal farming operation consists of such things as cultivation of soil, production of crops, raising of livestock, and other incidental operations like operating a roadside stand on the premises. One of the unique aspects of farm liability is that the farm premises can consist of a combination of residential and commercial exposures. This course looks at the various liability loss exposures present and answers the question,  “In what situations can a farmer or rancher be held legally responsible for incidents that happen on the farm premises or from products raised on the farm and later sold?” 

Upon completion, students will be able to:

• recognize a wide range of loss exposures that farm liability insurance can cover
• determine whether a described loss exposure or claim is covered by Coverage H, I, J, or an additional coverage or coverage extension of the farm liability form, and identify the appropriate rationale for your conclusion
• recognize how the farm policy’s limits of insurance and/or the coverage of an umbrella/excess policy applies in a given situation
• recognize the circumstances under which it may become necessary to attach an endorsement to a commercial general liability (CGL) or farm liability coverage form, select an appropriate endorsement, and recognize its effect on coverage in a given situation

Property and casualty risk, safety, insurance, and finance professionals