The Farm Employers Liability/Medical Payments Endorsement applies basic Liability and Medical Payments Coverages to injuries to farm employees, but not to workers' compensation eligible employees. Which statement is true?

• A. Yes
• B. No
• C. Only medical payments are provided
• D. Covers both workers' Comp and non-Comp employees

Answer: (A)

The main point is that the Farm Employers Liability/Medical Payments Endorsement is there to extend basic liability and medical payments protection to farm workers who aren’t covered by workers’ compensation. It provides liability coverage for injuries to farm employees and pays medical expenses under medical payments for those employees, but it does not apply to workers’ compensation eligible employees. That gap-filling purpose is why, when an employee is covered by workers’ comp, the endorsement doesn’t provide additional benefits for that injury—the workers’ comp system handles it as the exclusive remedy. So, yes—the endorsement covers farm employees for liability and medical payments when they aren’t covered by workers’ comp, which is why that statement is true.