Which exposure does the Farm Liability Coverage Form cover?

• A. Auto Liability
• B. BI or PD arising out of farming operations of personal activities
• C. Property damage to non-farm property
• D. Workers' Compensation claims

Answer: (B)

The Farm Liability Coverage Form is designed to cover liability for bodily injury and property damage that results from farming operations or from the insured’s personal activities related to farming. That means if someone is injured or property is damaged because of the farm’s activities, this form will respond.

Auto liability isn’t included here because vehicle-related liability is handled by an Auto Coverage form. Workers’ compensation isn’t included because employee injury benefits are typically provided under a workers’ comp policy or state mandate. Property damage to non-farm property can be involved when it’s caused by farming operations, but the core exposure the form addresses is bodily injury or property damage arising from farming activities or related personal farm activities. So the option describing BI or PD arising out of farming operations or personal farming activities best fits what the Farm Liability Coverage Form covers.