FARM PERSONAL LIABILITY (GL-2) MISSOURI PAGE CHECKLIST AAIS GMRC...

FCPL 07/14 FCPL-PC-1 MOA Page Checklist

FARM PERSONAL LIABILITY (GL-2) MISSOURI PAGE CHECKLIST AAIS

GMRC MANUAL PAGE CHECKLIST

This Manual Page Checklist displays the latest pages included in this section of your GMRC manual.

NOTE: Always use the Edition Date to determine the latest page.

If the pages in this section of your GMRC manual do not coincide with this listing, contact the Forms Distribution Department of GMRC for the necessary material to update your manual.

New or revised pages are indicated with shading.

PAGE NUMBER EDITIONDATE PAGE NUMBER

EDITIONDATE

FCPL MOA (Forms Index) FCPL (Guidelines)FCPL-FI-1 thru FCPL-FI-2 07/14 FCPL-GR-1 07/14

FCPL-GR-2 01/14FCPL MOA (State Exceptions) FCPL-GR-3 thru FCPL-GR-12 07/14FCPL-E-1 07/14 FCPL-GR-13 01/14

FCPL-GR-14 thru FCPL-GR-15 07/14FCPL (Index) FCPL-GR-16 thru FCPL-GR-17 01/14FCPL-i-1 thru FCPL-i-3 07/14 FCPL-GR-18 thru FCPL-GR-23 07/14

FCPL-GR-24 01/14

FCPL MOA (State Rates)FCPL-R-1 01/14FCPL-R-2 07/14FCPL-R-3 01/14FCPL-R-4 07/14

FARM PERSONAL LIABILITY (GL-2) MISSOURI FORMS INDEX – Revised 07-01-14 AAIS

denotes change ‡ Submit Application FCPL 07/14 FCPL-FI-1 MOA Forms Index

PART III – MANDATORY / CONDITIONAL MANDATORY FORMS AND ENDORSEMENTS

POLICY PROVISIONS

GL-2 ..............................1.0 Policy Provisions

AMENDATORY ENDORSEMENTS

CL-300 ..........................1.0 Amendatory Endorsement FL 5107 .................... 10-05 Amendatory Endorsement FL 5108 .................... 10-05 Amendatory Endorsement

OTHER MANDATORY FORMS

GL-75 ............................1.0 Custom Farming GL-76 ............................1.0 Employers Liability – Farm Employees GL-80 ............................1.0 Office, Professional, Private School or Studio Occupancy GMA 1945 .................. 7-09 Personal Injury Endorsement GMRC 1992 MOA ...... 8-02 Fungi and Bacteria Endorsement GMRC 2292 MOA ...... 1-07 Farm Implements – All Material Transport Vehicle GMRC 2273 MOA ...... 1-06 Annual Aggregate Endorsement GMIL 3475 ............... 04-13 Farm Liability Amendatory GMIL 4618 ............... 07-13 Oil or Gas Well Liability Exclusion GMIL 4722 ................. 7-09 Identity Theft Expense Coverage GL-5890 ................... 11-02 Exclusion for Punitive Damages, Lead and Asbestos GL-5891 ................... 12-03 Suit Against Us (Assessable companies)GL-5892 ................... 12-03 Suit Against Us (Non-assessable companies)

RC 92 ....................... 04-13 Policy Jacket

• Used by Reinsured Liability Companies for property and/or liability policies. Identifies mutual only. This jacket may not be used if any coverage is provided by GMRC.

CONDITIONAL / MANDATORY ENDORSEMENTS / NOTICES

NOTE: The following Endorsements / Notices are Conditional Mandatory, see specific Rule for additional guidelines.

RC 354 MO ................ 6-02 Assessable Policy Terms RC 364 ..................... 04-11 Fair Credit Reporting Notice GL-565 ..........................1.0 Limited Farm Pollution GMRC 1960 MO ........ 1-06 Limitation of Coverage Provided by Missouri Property and Casualty Insurance

Guaranty Association GMRC 2269 ............... 1-08 Certified Acts of Terrorism – Liability (Mandatory for AFD mutuals)GMRC 2270RL .......... 1-08 Liability Exclusion for Certified Acts of Terrorism (RL mutuals only)RC 7010 ..................... 1-08 Notice – Offer of Coverage for Certified Acts of Terrorism, Disclosure of Premium, and

Rejection Form (RL mutuals only)

FARM PERSONAL LIABILITY (GL-2) MISSOURI FORMS INDEX – Revised 07-01-14 AAIS

denotes change ‡ Submit Application FCPL 07/14 FCPL-FI-2 MOA Forms Index

PART IV – OPTIONAL LIABILITY FORMS

GL-70 ............................ 1.0 Additional Insured (Premises Liability) GL-71 ............................ 1.0 Additional Insureds (Broad Form) GL-72 ............................ 1.0 Additional Insureds and Additional Premises GL-73 ............................ 1.0 Additional Residences or Farms Rented to Others GL-74 ............................ 1.0 Business Activities GL-75 ............................ 1.0 Custom Farming GL-84 ............................ 1.0 Care Provider for Others Coverage GMRC 911.................. 4-77 Manuscript Endorsement GMRC 1031 MOA ...... 8-01 Business Activities Endorsement GMRC 1048 MOA ...... 9-06 Restrictive Livestock Endorsement GMRC 1912 MOA ...... 8-01 Specific Activity or Location Exclusion GMRC 2229 MOA ...... 8-01 Livestock Exclusion GMA 2233 .................. 7-09 Non-Occupied Landlords Liability GMA 2252 .................. 7-09 Hunting & Fishing GMA 2256 .................. 3-09 Dog Restriction GMRC 2259 MOA ...... 8-01 Owner Occupied Landlord’s Liability GMA 2271 ................ 07-14 Farm Premises and Operations Limited Liability Endorsement GMRC 2293................ 8-07 Additional Insured – Power Company

‡ GMA 2295 ................ 11-09 Contract Grower Limited Liability Coverage

• Submit Contract Growers Limited Liability Coverage Application – GMRC 2295A

‡ GMA 2297 ................ 01-10 Agricultural Custom Spraying (Limited Liability Coverage)

• Submit Agricultural Custom Spraying (Limited Liability Coverage) Application – GMRC 2297A or GMRC 2297A RL

GMA 2332 .................. 7-09 Select Recreational Vehicle Limited Liability Coverage GMA 4300 ................ 01-14 Additional Insured – Limited (Wind Turbine/Cell Phone Tower) GMIL 4627 ................ 07-14 Waiver of Subrogation and Right of Contribution GMIL 4629 ................ 07-14 Additional Insured Primary and Non-Contributory GMIL 4744 .................. 1-09 Horse/Rodeo Business Exclusion GMIL 4749 .................. 7-09 Additional Insured (Limited) – Special Event GMIL 4752 ................ 03-10 Additional Insured – Other Residents of Your Household GMIL 4757 ................ 01-10 Race Track Exclusion GMIL 4758 ................ 01-10 Roadside Park/Campground Exclusion GMIL 4759 ................ 01-10 Shooting Range Exclusion GMIL 4760 ................ 01-10 Bulldozing/Excavation Exclusion GMIL 4761 ................ 01-10 Food Preparation/Processing Exclusion GMIL 4762 ................ 01-10 Sawmill Exclusion GMIL 4763 ................ 01-10 Rock Quarry/Gravel Pit Exclusion GMIL 4764 ................ 01-10 Manure Handling Exclusion GMIL 4766 ................ 01-10 Dog Breeding Exclusion GMIL 4767 ................ 01-10 Auctioneer Exclusion GMIL 4768 ................ 01-10 Beauty or Barber Shop Exclusion GMIL 4772 ................ 03-10 Liability Loss Assessment Coverage Increased Limits GMIL 4777 ................ 01-11 Horse Boarding Coverage GMRC 4809................ 1-02 Home Business Liability Coverage Part GMRC 4809s .............. 1-02 Home Business Liability Schedule GMRC 4810................ 1-02 Home Business Personal Injury And Advertising Injury Liability Endorsement GMRC 4811................ 1-02 Home Business Cosmetologists' Liability Endorsement GMRC 4813................ 1-02 Home Business Additional Insured – Landlords GMRC 4814................ 1-02 Home Business Additional Insured – Controlling Interests GMRC 4815................ 1-02 Home Business Additional Insured – Lessor Of Leased Equipment

FARM PERSONAL LIABILITY (GL-2) MISSOURI STATE EXCEPTIONS AAIS

FCPL * denotes change 07/14 FCPL-E-1 MOA State Exceptions

ADDITIONAL RULES

RULE A1. GL-565 – FARM POLLUTION ENDORSEMENT

Limited Farm Pollution (Includes $1,000 Med Pay)Limits of Liability

50,000 100,000 300,000 500,000 1,000,000

15.00 20.00 30.00 – – – – – –

When this optional endorsement is attached to AAIS' Farm Personal Liability Policy (GL-2), the policy is amended to provide limited coverage for farm pollution, as follows:

A. Spray Drift of Agricultural Chemicals is covered if caused by sudden and accidental spray drift when applied by or for any insured on any insured premises, except when applied by aircraft.

B. Discharge, Dispersal, Spill, Release, or Escape of Agricultural Chemicals. Coverage is provided for BI or PD from the release, etc. of agri-chemicals resulting from or intended for use in normal and usual farming or agri-operations, including the cost of clean up, but only under the following conditions:

1. Release, etc., must occur quickly and abruptly and be accidental;

2. Must not enter the atmosphere from aircraft, including loading or unloading of aircraft;

3. Release, etc., must not result from custom farming activities of any insured;

4. Must be reported to us in writing within 90 days of the occurrence; and

5. The operations which caused such release, etc., must not be in violation of any law.

* NOTES:

• GL 565 must appear on the Declaration Page.

FARM PERSONAL LIABILITY (GL-2) MISSOURI INDEX AAIS

RULE NO. PAGE NO.

FCPL 07/14 FCPL-i-1 MOA Index

PART I – COVERAGE & DEFINITION TYPE

100. Introduction ....................................................................................................................... FCPL-GR-1 A. General Information ............................................................................................... FCPL-GR-1 B. Manual Structure .................................................................................................... FCPL-GR-1

101. Description of Mandatory Coverages ............................................................................... FCPL-GR-1 A. Principal Personal Liability Coverages................................................................... FCPL-GR-1

1. Liability – Coverage L ...................................................................................... FCPL-GR-1 e. Employers Liability (GL-76) ...................................................................... FCPL-GR-2 f. Fire Legal Liability ..................................................................................... FCPL-GR-2

2. Medical Payments – Coverage M ................................................................... FCPL-GR-2 a. Medical Payments To Others (Coverage M) ............................................ FCPL-GR-2 b. Medical Payments To Farm Employees (GL-76) ..................................... FCPL-GR-2

B. Incidental Liability Coverages ................................................................................ FCPL-GR-2 1. Damage To Property of Others ....................................................................... FCPL-GR-2 2. Contracts and Agreements .............................................................................. FCPL-GR-2 3. Claims and Defense Costs .............................................................................. FCPL-GR-2 4. First Aid Expense ............................................................................................ FCPL-GR-2 5. Motorized Vehicles .......................................................................................... FCPL-GR-3 6. Watercraft ........................................................................................................ FCPL-GR-37. Business .......................................................................................................... FCPL-GR-3

102. Minimum Liability Limits .................................................................................................... FCPL-GR-3 103. Underwriting Guidelines (Eligible & Ineligible Risks) ........................................................ FCPL-GR-4 104. Insurable Interest .............................................................................................................. FCPL-GR-4

A. Named Insured ....................................................................................................... FCPL-GR-4 B. Additional Insured – Limited Form (GL-70) ........................................................... FCPL-GR-4 C. Additional Insured – Broad Form (GL-71).............................................................. FCPL-GR-5 D. Additional Insured – Broad Form, Resident of Household (GL-72) ....................... FCPL-GR-5

105. – 199. Reserved For Future Use ................................................................................................. FCPL-GR-5

PART II – DISCOUNTS, SURCHARGES, PREMIUM DETERMINATION, COUNTRY HOME OPTION

200. Discounts .......................................................................................................................... FCPL-GR-5 A. Livestock Exclusion – 20% Discount (GMRC 2229 MOA) .................................... FCPL-GR-5 B. Non-Occupied Landlords’ Liability – 50% Discount (GMA 2233) .......................... FCPL-GR-5 C. Owner-Occupied Landlords’ Liability – 30% Discount (GMRC 2259 MOA) .......... FCPL-GR-5 D. Farm Premises and Operations Limited Liability Endorsement –

15% Discount (GMA 2271) .................................................................................... FCPL-GR-6 201. Surcharge Program ........................................................................................................... FCPL-GR-6 202. Premium Determination Rule ............................................................................................ FCPL-GR-7 203. Country Home Rating Option (Hobby Farm) .................................................................... FCPL-GR-7 204. – 299. Reserved For Future Use ................................................................................................. FCPL-GR-7


RULE NO. PAGE NO.


PART III – MANDATORY/CONDITIONAL FORMS AND ENDORSEMENTS

300. GL-2 – Policy Provisions .................................................................................................. FCPL-GR-8 301. FL 5107 and FL 5108 – Amendatory Endorsements ....................................................... FCPL-GR-8 302. GL-75 – Custom Farming ................................................................................................. FCPL-GR-8 303. GL-76 – Employers Liability – Farm Employees .............................................................. FCPL-GR-8 304. GL-80 – Office, Professional, Private School or Studio Occupancy ................................ FCPL-GR-8 305. GMRC 1992 MOA – Fungi and Bacteria .......................................................................... FCPL-GR-8 306. GMRC 2292 MOA – Farm Implements – All Material Transport Vehicle ......................... FCPL-GR-9 307. GMRC 2273 MOA – Annual Aggregate Endorsement ..................................................... FCPL-GR-9 308. GMIL 4722 – Identity Theft Expense Coverage ............................................................... FCPL-GR-9 309. GL-5890 – Exclusion for Punitive Damages, Lead, and Asbestos ................................... FCPL-GR-9 310. GL-5891 – Suit Against Us (Assessable Companies) ...................................................... FCPL-GR-9 311. GL-5892 – Suit Against Us (Non-Assessable Companies) .............................................. FCPL-GR-9 312. Reserved For Future Use ................................................................................................. FCPL-GR-9 313. RC 92 – Policy Jacket ...................................................................................................... FCPL-GR-9 314. GL-565 1.0 – Limited Farm Pollution Coverage ............................................................... FCPL-GR-10 315. GMRC 2269 – Certified Acts of Terrorism – Liability........................................................ FCPL-GR-10 316. GMRC 2270 RL – Liability Exclusion for Certified Acts of Terrorism ............................... FCPL-GR-10 317. RC 7010 – Notice – Offer of Coverage for Certified Acts of Terrorism,

Disclosure of Premium, and Rejection Form ............................................................... FCPL-GR-10 318. RC 364 – Fair Credit Reporting Notice ............................................................................. FCPL-GR-10319. – 320. Reserved For Future Use ................................................................................................. FCPL-GR-11 321. RC 354 MO – Assessable Policy Terms Endorsement .................................................... FCPL-GR-11 322. GMA 1945 – Personal Injury Coverage ............................................................................ FCPL-GR-11 323. GMA 3475 – Farm Liability Amendatory .......................................................................... FCPL-GR-11324. GMIL 4618 – Oil or Gas Well Liability Exclusion .............................................................. FCPL-GR-11 325. – 399. Reserved For Future Use ................................................................................................. FCPL-GR-11

PART IV – OPTIONAL LIABILITY ENDORSEMENTS

400. GL-70 – Additional Insured (Premises Liability) ............................................................... FCPL-GR-11 401. GL-71 – Additional Insureds (Broad Form) ...................................................................... FCPL-GR-11 402. GL-72 – Additional Insureds and Additional Residences ................................................. FCPL-GR-11 403. GL-73 – Additional Residences or Farm Rented to Others .............................................. FCPL-GR-11 404. GL-74 – Business Activities .............................................................................................. FCPL-GR-12 405. GL-75 – Custom Farming ................................................................................................. FCPL-GR-12 406. GL-84 – Care Provided for Others Coverage ................................................................... FCPL-GR-12 407. GMRC 911 – Manuscript Policy Endorsement ................................................................. FCPL-GR-12 408. GMRC 1031 MOA – Business Activities Endorsement .................................................... FCPL-GR-12 409. GMRC 1048 MOA – Restrictive Livestock Endorsement ................................................. FCPL-GR-14 410. GMRC 1912 MOA – Specific Activity or Location Endorsement ...................................... FCPL-GR-14 411. Reserved for Future Use .................................................................................................. FCPL-GR-14 412. GMRC 2229 MOA – Livestock Exclusion Endorsement .................................................. FCPL-GR-14


RULE NO. PAGE NO.


PART IV – OPTIONAL LIABILITY ENDORSEMENTS (Cont’d)

413. GMA 2233 – Non-Occupied Landlord’s Liability Limitation .............................................. FCPL-GR-14 414. GMA 2252 – Hunting and Fishing Coverage .................................................................... FCPL-GR-14 415. GMA 2256 – Dog Restriction ............................................................................................ FCPL-GR-15 416. GMRC 2259 MOA – Owner-Occupied Landlord’s Liability Limitation .............................. FCPL-GR-15 417. GMA 2271 – Farm Premises and Operations Limited Liability Endorsement .................. FCPL-GR-15 418. GMRC 2293 – Additional Insured – Limited ..................................................................... FCPL-GR-15 419. GMA 2295 – Contract Grower Limited Liability Coverage ................................................ FCPL-GR-15 420. GMA 2297 – Agricultural Custom Spraying ...................................................................... FCPL-GR-16 421. GMA 2332 – Select Recreational Vehicle Endorsement .................................................. FCPL-GR-16 422. GMIL 4744 – Horse/Rodeo Business Exclusion ............................................................... FCPL-GR-18 423. GMIL 4749 – Additional Insured (Limited) – Special Event .............................................. FCPL-GR-18 424. GMIL 4757 – Race Track Exclusion ................................................................................. FCPL-GR-18 425. GMIL 4758 – Roadside Park/Campground Exclusion ...................................................... FCPL-GR-18 426. GMIL 4759 – Shooting Range Exclusion .......................................................................... FCPL-GR-18 427. GMIL 4760 – Bulldozing/Excavation Exclusion ................................................................ FCPL-GR-18 428. GMIL 4761 – Food Preparation/Processing Exclusion ..................................................... FCPL-GR-18 429. GMIL 4762 – Sawmill Exclusion ....................................................................................... FCPL-GR-18 430. GMIL 4763 – Rock Quarry/Gravel Pit Exclusion .............................................................. FCPL-GR-18 431. GMIL 4764 – Manure Handling Exclusion ........................................................................ FCPL-GR-18 432. GMIL 4766 – Dog Breeding Exclusion .............................................................................. FCPL-GR-18 433. GMIL 4767 – Auctioneer Exclusion .................................................................................. FCPL-GR-18434. GMIL 4768 – Beauty or Barber Shop Exclusion ............................................................... FCPL-GR-18 435. GMRC 4809 – 4816 – Home Business Endorsement ...................................................... FCPL-GR-19 436. GMIL 4752 – Additional Insured – Other Residents of Your Household .......................... FCPL-GR-19 437. GMIL 4772 – Liability Loss Assessment Increased Limits ............................................... FCPL-GR-19 438. GMIL 4777 – Horse Boarding Coverage .......................................................................... FCPL-GR-19 439. GMA 4300 – Additional Insured – Limited (Wind Turbine/Cell Phone Tower) ................. FCPL-GR-19 440. GMIL 4629 – Additional Insured Primary and Non-Contributory ...................................... FCPL-GR-19 441. GMIL 4627 – Waiver of Subrogation and Right of Contribution ....................................... FCPL-GR-20 442. – 499. Reserved for Future Use ................................................................................................... FCPL-GR-20

PART V – AAIS / GMRC COMPARATIVE FORMS LIST

Mandatory Forms – GL-2 .................................................................................................. FCPL-GR-21 Conditional / Mandatory Forms ......................................................................................... FCPL-GR-22 Optional Forms ................................................................................................................. FCPL-GR-22

FARM PERSONAL LIABILITY (GL-2) MISSOURI GUIDELINES AAIS

FCPL * denotes change 07/14 FCPL-GR-1 MOA Guidelines

PART I – COVERAGE & DEFINITION TYPE RULES

RULE 100. INTRODUCTION

* A. GENERAL INFORMATION

The Farm Personal Liability (FCPL) program pro-vides coverage for liability arising out of an insured’s personal acts and the insured premises, including farm premises and operations, as described below, using the forms and endorsements specified in this Manual.

The basic premium provides coverage for up to 240 acres and includes the following:

1. 6 man-months of employee labor. Increased man months are available; refer to Liability Rate Schedule for rates.

2. $1,000 Medical Payments to Others and Farm Employees.

3. $500 for Damage To Property Of Others.

4. Liability coverage is provided for the first farm dwelling located on the insured farm premises (owner or non-owner occupied); this is included in the base rate. Coverage may be extended to additional dwellings; for a charge; refer to Liabil-ity Rate Schedule for rates.

This Manual contains the rules and classifications governing the writing of a Farm Personal Liability policy under the following FCPL programs offered by Grinnell Mutual Reinsurance Company (GMRC):

Reinsured Liability (RL) – The policies are under-written and issued by member mutuals that are per-mitted to write liability coverage. Coverages are sub-ject to forms, rates, and rules filed on behalf of each Reinsured Liability mutual, and are 100% reinsured by GMRC.

B. MANUAL STRUCTURE

This manual includes the following sections:

• PART I – Coverage & Definition Type Rules • PART II – Discounts, Surcharges, Premium

Determination, Country Home Option • PART III – Mandatory/Conditional Mandatory Forms and Endorsements

• PART IV – Optional Liability Endorsements • PART V – AAIS / GMRC Comparative Forms List

RULE 101. DESCRIPTION OF MANDATORY COVERAGES

* The following coverages are mandatory as these cover-ages are included in the base rate. The policy provisions should be consulted for exact contract terms and condi-tions.

A. PRINCIPAL PERSONAL LIABILITY COVERAGES

1. LIABILITY – COVERAGE L

Provides coverage for all sums which the in-sured is legally obligated to pay as damages be-cause of bodily injury or property damage arising out of an insured’s premises, personal activities, or farming operation, including:

a. Personal acts of insureds.

b. The physical condition of the insured premis-es.

c. The insured’s farming operations, on and off the insured premises. Farming includes the ownership, maintenance, or use of the in-sured premises for the production of crops or the raising or care of livestock. It also in-cludes the operation of roadside stands kept mainly for the sale of the insured’s farm products. Farming does not include altering the characteristics of farm products through processing operations, or the butchering of livestock.

d. Incidental business activities conducted on the insured premises, if gross receipts are $2,000, or less, in the current or prior calen-dar year (attach GL-80 to provide coverage up to $2,000 gross receipts; refer to Rule 304. if gross receipts exceed this amount).


FCPL 01/14 FCPL-GR-2 MOA Guidelines

RULE 101. DESCRIPTION OF MANDATORY COVERAGES (Cont’d.)

e. Employers Liability – GL-76 must be at-tached to extend Coverage L to provide Em-ployers Liability Coverage, subject to the limit stated in the Declarations, for same, as this coverage is included in the base rate and can not be rejected by the insured. Employee la-bor is included at no charge, up to 6 man months. Increased man months are availa-ble; refer to Liability Rate Schedule for rate.

This endorsement provides liability protec-tion with respect to the insured’s Common Law obligation to farm employees, to pro-vide a safe work environment and safe tools to work with, if Workers’ Compensation cov-erage is not required. There is no coverage under this part if Workers’ Compensation is required.

f. Fire Legal Liability – The limit stated in the Declarations for Coverage L applies to dam-age to property rented to, occupied by, used by, or in the care of an insured, when caused by fire, smoke, or explosion.

2. MEDICAL PAYMENTS – COVERAGE M

a. Medical Payments To Others (Coverage M) – Pays medical expenses incurred by persons who are not insureds if bodily injury occurs in connection with the insured prem-ises or the insured’s personal activities, sub-ject to the limit stated in the Declarations for Coverage M. Minimum limit is $1,000; in-creased limits are available.

b. Medical Payments To Farm Employees – GL-76 must be attached to extend Coverage M to provide Medical Payments To Farm Em-ployees, as this coverage is included in the base rate and can not be rejected by the in-sured. The minimum limit ($1,000) is included at no additional charge; if the insured selects a higher limit for Coverage M – Medical Pay-ments To Others, the increased limit stated in the Declarations will also apply to Medical Payments To Farm Employees. There is a separate rate for increased limits for Medical Payments To Others and for Medical Pay-ments To Farm Employees.

c. Increased Limits – Refer to Liability Rate Schedule for rates.

B. INCIDENTAL LIABILITY COVERAGES

Except for Claims and Defense Costs, these cover-ages do not increase the principal coverage limits.

1. Damage To Property Of Others – Covers property of others damaged by an insured ($500 per occurrence limit). This coverage also applies to damage to non-owned motorized vehicles that are not subject to motor vehicle registration if only used to service premises or designed for recreational off-road use. Any payment under this part reduces the Coverage L limit.

The exclusions applicable to Coverage L do not apply to this coverage, but there is no coverage for property:

a. Owned by an insured;

b. Owned by, rented to, or leased to another resident of the insured’s household or the tenant of an insured;

c. Caused intentionally by an insured age 13 or older;

d. Resulting from:

1) Business activities of any insured;

2) Premises other than an insured prem-ise;

3) Ownership, use, etc. of motorized vehi-cles, watercraft, and aircraft.

2. Contracts And Agreements – Covers liability assumed by an insured under a written contract made before the loss, which occurs during the policy period, and relates to farming activities or the residence premises. This coverage does not apply to a contract in connection with business activities of an insured.

3. Claims And Defense Costs – May be paid in addition to limits of liability.

4. First Aid Expense – Incurred by the insured for first aid to persons covered for bodily injury.



RULE 101. DESCRIPTION OF MANDATORY COVERAGES (Cont’d.)

5. Motorized Vehicles – Provides on premises coverage for a motorized vehicle not subject to motor vehicle registration; or a recreational vehi-cle. Provides off-premises liability coverage for:

a. A golf cart, while used for golfing;

b. A utility trailer, boat trailer, camping trailer, or mobile home trailer while not attached to a motor vehicle;

c. A motorized vehicle designed for use off pub-lic roads and used mainly to service the in-sured premises, including farm machinery; or

d. A recreational vehicle which is not owned by an insured.

6. Watercraft – Coverage is provided for bodily inju-ry or property damage which results from the maintenance, use, loading, or unloading of:

a. A watercraft while on the insured premises (owned or non-owned, regardless of the size of boat or motor);

b. A watercraft which is not owned by or rented to an insured if the loss is caused by the ac-tivities of any insured (coverage applies re-gardless of the size of boat or motor);

c. A watercraft which is owned by or rented to an insured if powered by an inboard or in-board/outboard motor which total 50 HP or less; or an outboard motor with 25 HP or less;

d. A sailing vessel with or without auxiliary pow-er which is owned by or rented to an insured if less than 26' long.

7. Business – Covers liability arising out of the rental of:

a. Part of the insured premises which are usual-ly occupied by the named insured as a resi-dence;

b. Rental of other parts of the insured premises to a family unit consisting of not more than 2 roomers or boarders; or

c. Rental of part of the insured premises for use as a private garage.

Risk is ineligible if part of the insured premises is rented to others for use as a school, studio, or office; an OLT policy (GL-600) should be written.

RULE 102. MINIMUM LIABILITY LIMITS

* Liability coverage is subject to the following minimum limits:

Personal Liability Coverages Minimum Limit

Coverage L – Liability

• GL-76 extends Coverage L to provide Liability To Farm Employees. The limit is stated once in the Declarations, but the Coverage L limit applies separately to Liability and to Liability To Farm Employees.

• Increased limits are available; refer to Liability Rate Schedule for rates.

$100,000 per occurrence

Coverage M – Medical Payments To Others

• GL-76 extends Coverage M to provide Medical Payments To Farm Employees. The limit is stated once in the Declarations, but the Coverage M limit applies separately to Medical Payments To Others and Medical Payments To Farm Employees.

• Increased limits are available; refer to Liability Rate Schedule for rates.

$1,000 each person

Damage To Property Of Others is provided under Incidental Liability Coverages. Increased limits are not available.

$500 each

occurrence



RULE 103. UNDERWRITING GUIDELINES

A. ELIGIBLE RISKS

To be eligible for a Farm Personal Liability Policy, the property must be in good condition and well maintained; a physical inspection of the property is recommended.

Pursuant to §375.936 RSMo(11)(f), an applicant is eligible and cannot be refused coverage solely be-cause another company has refused to issue a poli-cy or has cancelled or refused to renew an existing policy issued to the applicant, as named insured. Applicants or policyholders may not be required to divulge in a written application whether any insurer has cancelled or refused to renew any policy issued to them.

B. INELIGIBLE RISKS

Under no circumstances should coverage be bound if the following conditions exist:

* 1. Has had any of the following number of claims in the past 3 years:

a. More than one (non-dog bite) liability claim; or

b. A dog bite claim.

2. Owns any:

a. Domesticated wildlife or dangerous animals;

* b. Staffordshire, Akita, Pit Bulls, Dobermans, Rottweilers, Chows, Wolf Hybrid, or Presa Canario; or

c. Dog(s) that are mean or act in an aggressive manner.

3. Fails to properly maintain:

a. Fences, if livestock are kept on the premises; or

b. Farm equipment and machinery (e.g. guards are removed, no slow moving vehicle signs are displayed, and/or machinery has im-proper/inadequate lighting).

4. Condition of premises is poor – (accumulation of trash and/or litter, including tall grass and weeds near the buildings); and/or dwellings/buildings are poorly maintained.

* 5. Custom farming and/or custom feeding activities if the gross receipts in the current or prior year exceed the amounts stated in Rule 405.; these risks can be submitted to Farm Casualty Under-writing for consideration.

6. Any insured engaged in underground excava-tion, trenching, bulldozing or similar earth mov-ing activities.

7. Any insured engaged in boarding or training horses for others; giving horseback riding les-sons; horseshoeing or similar activities which are not considered “raising livestock for sale”.

8. Any insured who owns any dangerous animals, such as bears, cougars, etc.

9. If part of the insured premises is rented for use as a school, studio, or office. An OLT policy (GL-600) should be written.

RULE 104. INSURABLE INTEREST

It is important to identify all persons or organizations that need coverage, and the extent to which coverage should apply. If an individual or organization needs coverage they must be specifically listed in the Declarations as a named insured or additional insured (either limited or broad form). Only persons with an insurable interest in the property should be listed. The term “et al” or “and others” should never be used after the named insured in a policy containing liability insurance as we do not intend to provide coverage for any “others” who are not specifi-cally listed by name and whose relationship to the risk isn’t clearly understood. A single entity should be listed as named insured; other individuals or organizations must be listed as Additional Insureds (broad or limited) according to their relationship to the risk.

A. NAMED INSURED

Provides broad form liability coverage for the per-sons or organizations listed on the endorsement or in the Declarations. Coverage is extended to the spouse and other family members only if residing in the named insured’s household. If the individual has other insurance that provides personal acts cover-age, the Farm Liability policy must be limited to farm premises and operations liability coverage.

B. ADDITIONAL INSURED – (GL-70)

Provides limited liability coverage (premises liability) for the individual or organization listed in the Decla-rations as Additional Insured – Limited Form. The additional insured’s interest must be described in the application.



RULE 104. INSURABLE INTEREST (Cont’d.)

C. ADDITIONAL INSURED – (GL-71)

Provides broad form liability coverage only for the person(s) or organization(s) listed on the endorse-ment or in the Declarations. Coverage is not extend-ed to the spouse or any other resident relatives. If the individual has other insurance that provides per-sonal acts coverage, the Farm Liability policy must be limited to farm premises and operations liability coverage.

Organizations (Corporations, Partnerships, Trusts, or Estates) – If not listed as a named insured, attach GL-71 to provide broad form coverage to avoid po-tential gaps in coverage (refer to example below) when the insured has a Personal Excess policy or obtains same at a later date.

Example: Farm corporation is listed as Addtl Insd (Ltd) under GL-2 and under the PEP, and the insured is involved in a motor vehicle accident with a farm truck that’s registered to the corpora-tion and is insured under the Personal Auto Poli-cy. The Personal Auto Policy will provide cover-age as this truck is listed in the Declarations and we’ll assume there are no applicable exclusions. Due to the fact the underlying FCPL policy pro-vides limited liability coverage for the corporation, the Personal Excess Policy provides limited liabil-ity coverage and may not apply to the motor vehi-cle accident which occurred off the insured prem-ises. To avoid this gap in coverage, broad form coverage should be provided for a farm corpora-tion or other organization.

D. ADDITIONAL INSUREDS AND ADDITIONAL RESIDENCES – (GL-72)

Provides broad form liability coverage for the individ-ual(s) listed on the endorsement or in the Declara-tions only while they are a resident of the insured’s household. Refer to Rule 402. for additional infor-mation.

RULE 105. – 199. RESERVED FOR FUTURE USE

PART II – DISCOUNTS, SURCHARGES, PREMIUM DETERMINATION, COUNTRY HOME OPTION

RULE 200. DISCOUNTS

A. Livestock Exclusion (GMRC 2229 MOA)

This endorsement excludes coverage for bodily inju-ry or property damage caused by livestock or poul-try, owned by or in the care, custody or control of any insured person, except for livestock or poultry kept for pleasure, or for 4-H, FFA, or similar organi-zations. A 20% discount applies to the base rate.

B. Non-Occupied Landlord's Liability Endorsement (GMA 2233)

This endorsement provides farm premises and opera-tions liability coverage, including Employer’s Liability Coverage, for the farm property that is owned by the insured but has been relinquished to the control of a third party. The discount reflects the fact no coverage is provided for off-premises personal acts; or liability arising out of an insured’s active participation in the farming operation; coverage is provided while per-forming routine maintenance. A 50% discount applies to the base rate.

C. Owner-Occupied Landlord's Liability Endorsement (GMRC 2259 MOA)

This endorsement covers personal acts, on and off-premises, and liability arising out of the farm premis-es and operations, including Employer’s Liability Coverage, when the insured resides on-premises but has relinquished the farm operation to the con-trol of a third party. The discount reflects the reduc-tion in liability exposure due to the fact the insured warrants he is no longer actively involved in the farming operation. Coverage is provided while in-sured performs routine maintenance. A 30% dis-count applies to the base rate.



RULE 200. DISCOUNTS (Cont’d.)

* D. Farm Premises and Operations Limited Liability Endorsement (GMA 2271)

This endorsement should be used when the insured resides outside of the state of Missouri and owns and operates a farm operation that is primarily located within the state of Missouri which does not extend more than 50 miles from the border into any neighbor-ing state.

This endorsement provides liability coverage arising out of:

1. The insured premises.

2. Personal acts while an insured is on the farm premises.

3. Farm operations. Coverage is also provided for liability arising out of the non-business use of a farm implement (such as a parade or helping a neighbor).

4. Personal liability acts (except as indicated above) will be covered by the world wide personal acts coverage, which is provided by another policy, for that insured. A 15% discount applies to the base rate.

RULE 201. SURCHARGE PROGRAM

The intent of the Surcharge Program, which was imple-mented on January 1, 1977, is to apply a premium sur-charge based on the number of liability claims experi-enced each year. By applying the surcharge to the poli-cies with poor loss experience, we are able to stabilize the base premium level for those insureds with good loss experience. The Surcharge Program operates as de-scribed below:

1. Claims paid under Liability To Public and Liability To Farm Employees are accumulated and have a direct impact on the amount of surcharge as-sessed to a particular policy.

2. Claims that have been reported, but not paid, are not reflected in the surcharge program.

3. Medical Payments To Others and Medical Pay-ments To Farm Employees do not accumulate towards the surcharge program.

4. A 50% surcharge will be applied on the renewal date following the second claim within the two year experience period. Each additional claim within the two-year period will increase the sur-charge as indicated in the table. The policyholder returns to a surcharge free status on the renewal date following a two-year claim free period.

No. of Claims

Surcharge Level

Amount

0 0 0

1 0 0

2 1 50%

3 2 100%

4 3 150%



RULE 202. PREMIUM DETERMINATION RULE

1. Start with the package premium for the initial farm residence, with up to 240 acres.

2. Add charge for additional acreage, calculated as follows (round to the penny):

a. If total acres are greater than 240 and less than 640, subtract 240 from the total and multiply the difference times the “241 – 640 acre” charge based on the limit of liability. Add to premium developed on Step 1.

b. If total acres exceed 640, subtract 640 from the total and multiply the difference times the rate that applies to ‘over 640 acres’. Add to premiums developed in Step 1. and 2., above.

3. Add the increased limits rate for Medical Pay-ments To Public and Medical Payments To Farm Employees, if any.

4. Add the increased limits rate for increased em-ployee labor, if any.

5. Apply discounts, if any, to the total premium de-veloped in Steps 1-4:

a. 35% – GMRC 2259 MOA (Owner-Occupied Landlord’s Liability)

b. 50% – GMA 2233 (Non-Occupied Landlord’s Liability)

c. 20% – GMRC 2229 MOA (Livestock Exclusion)

* d. 15% – GMA 2271 (Farm Premises and Operations Limited Liability Endorsement)

6. Add other endorsement premium, if any.

7. Apply Experience Rating surcharge, if any.

RULE 203. COUNTRY HOME RATING OPTION (for Hobby Farms)

* This program offers a reduced rate for farm liability cov-erage for the individual who lives on an acreage but whose primary source of income is not derived from farming. Contact your Farm Casualty Underwriter if the risk exceeds the following guidelines:

1. Number of acres exceeds 100.

2. Value of farm personal property exceeds $60,000.

3. Dwelling is insured for less than $60,000.

The following endorsements may not be attached to the policy if Country Home rates apply:

End No. Title Discount

GMA 2233 Non-occupied Landlord’s Limitation (Restricted to Farm Premises and Operations Only)

50%

GMRC 2229 MOA

Livestock Exclusion Endorsement 20%

GMRC 2259 MOA

Owner-Occupied Landlord’s Endorsement

35%

GMA 2271 Farm Premises and Operations Limited Liability Endorsement

15%


*



PART III – MANDATORY/CONDITIONAL MANDATORY FORMS AND ENDORSEMENTS

The following forms and endorsement are required to complete the policy; consult each endorsement for a de-tailed explanation of conditions and coverages.

RULE 300. GL-2 – POLICY PROVISIONS (Mandatory Endorsement)

The Farm Personal Liability policy describes the cover-age provided by the basic policy.

RULE 301. FL 5107 (Part 2 Assessable) AND FL 5108 (Part 2 Non-Assessable) – AMENDATORY ENDORSEMENTS (Mandatory Endorsement)

These endorsements amend GL-2 and FL-1, 2, 3, 6, and 502 to comply with state regulations for MAMIC member mutuals.

Cancel and Non-Renewal Notice Requirements (per MO Statute 380):

CompanyType

Non Pay

New Business

Mid-Term Cancel

Non- renewal

2A RL & 2NA RL

‡

5 5 days for any reason

5 days for any reason

5 days for any reason

‡ Part II Assessable & Part II Non-Assessable – Reinsured Liability coverage is written by the mutual.

RULE 302. GL-75 – CUSTOM FARMING (Mandatory Endorsement)

Attach this endorsement to provide coverage for Custom Farming or Custom Feeding at no charge, if gross re-ceipts are $2,000, or less, in the current or prior calendar year.

The following information must be typed on the en-dorsement:

Description: CUSTOM FARMINGEstimated Receipts: $2000 per yearRate per $100 of Receipts: Leave BlankAdvance Premium: INCLUDED

This endorsement may be used to provide coverage when gross receipts are more than $2,000. Refer to Rule 405.

RULE 303. GL-76 – EMPLOYERS LIABILITY – FARM EMPLOYEES (Mandatory Endorsement)

Attach this endorsement to extend Coverage L and M to provide:

1. Employer’s Liability (subject to the limit stated in the Declarations for Coverage L); and

2. Employee Medical Payments (subject to the limit stated in the Declarations for Coverage M) – up to 6 man months of Employee Labor is included. Increased man-months are available; refer to Li-ability Rate Schedule for rate.

RULE 304. GL-80 – OFFICE, PROFESSIONAL, PRIVATE SCHOOL OR STUDIO OCCUPANCY (Mandatory Endorsement)

Attach this endorsement to provide coverage for an inci-dental business activity at no charge, if gross receipts are $2,000 or less in the current or prior calendar year. GMRC 1031 MOA may be used if gross receipts exceed $2,000. Refer to Rule 408. for additional information.

The following information must be typed on the en-dorsement:

1. Description of Business: Bodily injury and Property damage coverage is provided for incidental business activities if the gross receipts are $2,000 or less in the current or prior calendar year.

2. Address: Insert the address of the insured premises, as described in the Declarations

RULE 305. GMRC 1992 MOA – FUNGI AND BACTERIA ENDORSEMENT (Mandatory Endorsement)

This endorsement limits coverage to $50,000 for bodily injury and property damage arising out of fungi. This limit is the most that will be paid per occurrence and per poli-cy year.

*



RULE 306. GMRC 2292 MOA – FARM IMPLEMENTS – ALL MATERIAL TRANSPORT VEHICLE(Mandatory Endorsement)

This endorsement adds a definition for farm implement and clarifies a farm implement includes a recreational vehicle or an all material transport vehicle while used for farming purposes.

1. AMTs – If an all material transport vehicle is used primarily for farming, liability coverage applies whether unit is being used on or off-premises, in-cluding occasional off-premises use for recrea-tional purposes. If the AMT is used primarily for recreational purposes, there is no off-premises li-ability coverage unless the unit is specifically in-sured under a Select Recreational Vehicle en-dorsement.

2. RVs – Off-premises coverage is not provided (except while used for farming) unless specifical-ly insured under a Select Recreational Vehicle endorsement.

RULE 307. GMRC 2273 MOA – ANNUAL AGGREGATE ENDORSEMENT (Mandatory Endorsement)

This endorsement adds an annual aggregate which is two times the limit stated in the Declarations for Coverage L.

RULE 308. GMIL 4722 – IDENTITY THEFT EXPENSE COVERAGE (Mandatory Endorsement)

This endorsement provides coverage for expenses in-curred as a direct result of identity theft, subject to a $15,000 limit and a $250 deductible.

RULE 309. GL-5890 – EXCLUSION FOR PUNITIVE DAMAGES, LEAD, AND ASBESTOS (Mandatory Endorsement)

Replaces the Punitive Damage Exclusion, GL-10 1.0; and the Lead Liability Exclusion, ML-223; and adds exclu-sion for bodily injury and property damage arising out of asbestos.

RULE 310. GL-5891 – SUIT AGAINST US (Assessable Companies) (Mandatory Endorsement)

Amends the time limit for Suit Against Company to 12 months when the liability coverage is written by an as-sessable mutual. Note: If the liability coverage is written by GMRC, the time limit for Suit Against Company is ten (10) years.

RULE 311. GL-5892 – SUIT AGAINST US (Non-Assessable Companies) (Mandatory Endorsement)

This endorsement amends the time limit for Suit Against Company to 10 years.

RULE 312. RESERVED FOR FUTURE USE

RULE 313. RC 92 – POLICY JACKET (Mandatory)

This jacket, which is available from GMRC’s Forms Dis-tribution Department and can be customized for each mutual. The mutual is identified as the insurer and annu-al meeting information is stated on the jacket; reference to GMRC is omitted. This jacket can be used for property only policies by all mutuals; and for liability policies by mutuals who write their own liability coverage.

*



RULE 314. GL-565 1.0 – LIMITED FARM POLLUTION COVERAGE (Conditional/Mandatory Endorsement)

This endorsement may be treated as an optional premi-um bearing endorsement but can also be treated as a mandatory endorsement, as described below. When GL-565 is attached to the policy, Coverage L is extended to provide coverage for bodily injury or property damage arising out of spray drift of agricultural chemicals and discharge, dispersal, spill, release, or escape of Agricul-tural Chemicals. The maximum limit is $300,000; a $500 deductible applies. Refer to the State Exception page for GL-565, for rate.

Processing instructions:

1. The Policy Year Aggregate Limit must be stated on the endorsement or in the Declarations. This limit applies per occurrence and is the most that will be paid in a policy year.

2. If this endorsement is treated as a mandatory non-premium bearing endorsement:

a. $25,000 is the maximum limit that can be in-cluded at no charge.

b. This limit must be stated on the endorse-ment or in the Declarations, same as stated in paragraph 1., above.

c. If increased limits are purchased, the Policy Year Aggregate Limit stated on the en-dorsement or in the Declarations may not exceed $300,000.

RULE 315. GMRC 2269 – CERTIFIED ACTS OF TERRORISM – LIABILITY (Terrorism Risk Insurance Act (TRIA) Forms for GL 2 & GL 610) (Conditional/Mandatory Endorsement)

This endorsement must be sent to the insured annually.

1. This is a mandatory, non-premium bearing en-dorsement if the liability coverage is written by GMRC.

2. If the liability coverage is written by the mutual this endorsement may be attached to the policy as a mandatory, non-premium bearing en-dorsement or as an optional, premium bearing endorsement.

a. If treated as a mandatory, non-premium bearing endorsement, the only future action required is to send a copy of this endorse-ment to the insured annually.

b. If treated as an optional, premium bearing endorsement, a Disclosure Notice (RC 7010) must be sent to the insured which gives the insured the option to accept or re-ject this coverage. If the coverage is accept-ed, GMRC 2269 must be attached; attach GMRC 2270 RL if the coverage is rejected.

RULE 316. GMRC 2270 RL – LIABILITY EXCLUSION FOR CERTIFIED ACTS OF TERRORISM(Conditional/Mandatory Endorsement)

This is mandatory if insured rejects GMRC 2269, as de-scribed above. Once rejected, GMRC 2270 RL remains on the policy until TRIA is revised (you do not have to of-fer GMRC 2269 with subsequent renewal or anniver-saries).

RULE 317. RC 7010 – NOTICE – OFFER OF COVERAGE FOR CERTIFIED ACTS OF TERRORISM, DISCLOSURE OF PREMIUM, AND REJECTION FORM(Conditional/Mandatory Endorsement)

This is a mandatory notice that must be mailed with new business and annually thereafter, with anniversary and renewal policies if the mutual is charging for GMRC 2269 and the insured previously accepted GMRC 2269.If insured wants to reject GMRC 2269, the Rejection Form included on RC 7010 must be completed and re-turned to the mutual. If GMRC 2269 is rejected, the mu-tual is not obligated to offer this coverage again.

RULE 318. RC 364 – FAIR CREDIT REPORTING NOTICE(Conditional/Mandatory Notice)

This notice is required per the Fair Credit Act, and must be sent to an insured if an adverse underwriting action is taken based on any consumer reports or information re-ceived from a third party vendor (such as claims or MVR information obtained from Choice Point). An adverse un-derwriting action has been determined by the courts to include not giving the best rate or coverage available; adding a claim or underwriting surcharge, or any other action that adversely affects the policyholder. This notice is not required if the information that prompted the action was provided by the applicant/insured or was part of that insured’s policy or claims history with your mutual.




RULE 321. RC 354 MO – ASSESSABLE POLICY TERMS ENDORSEMENT (Assessable Mutuals) (Conditional/Mandatory Endorsement)

Notifies the insured the policy is assessable. CL-5000may be used to comply with this requirement or the As-sessable policy disclosure may be stated on page 1 of the policy jacket.

RULE 322. GMA 1945 – PERSONAL INJURY COVERAGE (Mandatory Endorsement)

This endorsement extends Coverage L, Personal Liabil-ity, to include personal injury, meaning bodily harm, shock, or mental anguish which arises out of false arrest, detention or imprisonment; malicious prosecution, libel, slander, defamation of character, or invasion of privacy; or wrongful eviction or wrongful entry.

RULE 323. GMA 3475 – FARM LIABILITY AMENDATORY (Mandatory Endorsement)

The purpose of this endorsement is to extend liability coverage to apply to the off-premises use of a utility or farm tractor, by a permissive operator, for non-business purposes, such as when tractor is being used in pa-rades, or on display, etc.

RULE 324. GMIL 4618 – OIL OR GAS WELL LIABILITY EXCLUSION (Mandatory Endorsement)

Clarifies there is no coverage for injury or damages aris-ing out of oil or gas wells with respect to pollution liability, contractual liability, or any claim of common law or statu-tory nuisance or trespass.


PART IV – OPTIONAL LIABILITY ENDORSEMENTS

RULE 400. GL-70 – ADDITIONAL INSURED (Premises Liability)

Coverage applies only with respect to the described premises, including the necessary and incidental opera-tions of the premises.

RULE 401. GL-71 – ADDITIONAL INSUREDS (Broad Form)

The definition of insured includes the persons or organi-zations listed on the endorsement, as their interest ap-pears. Coverage applies:

1. Separately to the non-partnership operations, activities, and property of each partner; and

2. Collectively to the partnership and all partners, with respect to partnership operations, activities, and property.

RULE 402. GL-72 – ADDITIONAL INSUREDS AND ADDITIONAL RESIDENCES

Extends liability coverage to:

1. Resident of insured’s household who needs broad form coverage and is not a relative.

2. Additional Residence Maintained by Insured (seasonal dwelling/cabin); Town Residence Oc-cupied by Insured.

RULE 403. GL-73 – ADDITIONAL RESIDENCES OR FARM RENTED TO OTHERS

Extends liability to a rental property. Maximum of 20 separate buildings.

Risk is ineligible if smoke detectors are not installed in ac-cordance with applicable state regulations; and/or dwell-ings contain more than four rental units are not eligible.

*



RULE 404. GL-74 – BUSINESS ACTIVITIES

This endorsement provides limited coverage for liability arising out of the insured’s employment, when employer doesn’t have employee liability insurance or has an insur-ance policy with inadequate limits. This endorsement af-fords protection when the employee is held separately or jointly liable for damages arising out of his/her employ-ment and is sued individually or jointly with the employer.

This endorsement cannot be written for the proprietor of a business. Refer to Liability Rate Schedule for rates, which are based on the type of employment.

RULE 405. GL-75 – CUSTOM FARMING

A. Attach this endorsement to provide coverage for Custom Farming if the gross receipts exceed $2,000 in the current or prior calendar year. The type of cus-tom farming activity must be shown in the Declara-tions, along with gross receipts. Refer to Liability Rate Schedule for rates.

Underwriting Guidelines:

Risk is eligible if gross receipts do not exceed $150,000.

B. GL-75 is also used for Custom Feeding which pro-vides bodily injury and property damage protection for claims arising from the activities of care or raising of livestock or poultry by any insured person in ac-cordance with a written or oral agreement.

Underwriting Guidelines:

No coverage is provided with respect to injury or death of the livestock that are in the insured’s care, custody, and control as part of his custom feeding operation.

Risk is eligible regardless of the amount of total gross receipts.

If this is a new venture, the risk should be rated on the estimated gross receipts. It is important the insured does NOT understate gross receipts.

RULE 406. GL-84 – CARE PROVIDED FOR OTHERS COVERAGE

Extends liability coverage to a day care business located on the insured premises. The number of children must not exceed six at anytime.

RULE 407. GMRC 911 – MANUSCRIPT POLICY ENDORSEMENT

Used to address unique situations. Requires Home Of-fice approval; contact your Farm Casualty Underwriter for assistance.

RULE 408. GMRC 1031 MOA – BUSINESS ACTIVITIES ENDORSEMENT

A. GENERAL INFORMATION

To a varying degree, many farmers engage in activi-ties which can not be defined as farming such as snow removal, machinery repair, and seed corn sales, etc. The farmer needs liability protection for such activities to round out a full and complete pro-gram of protection. The farmer could purchase a General Liability policy for such business activities but frequently the activity requires only a small por-tion of the farmers’ time and contributes only mar-ginally to the annual income. Consequently the farmer finds the “minimum premium” of the General Liability policy too costly.

The Incidental Business Activities endorsement can be added to waive the business exclusion and ex-tend Coverage L and Coverage M to the business described in the endorsement, when it is incidental in nature, as described above.

Caution is advised when using this endorsement, as the coverage provided (and rates) are based on the premise that the activity is minor in comparison to the insured’s overall family income. If the activity ex-ceeds the Underwriting Guidelines it should be in-sured separately under a General Liability policy.

*



RULE 408. GMRC 1031 MOA – BUSINESS ACTIVITIES ENDORSEMENT (Cont’d.)

B. UNDERWRITING GUIDELINES

1. Gross receipts and/or gross commissions from the described business may not exceed $40,000 in the current or past calendar year.

2. Business activity must be incidental in nature (it should not be the insured’s primary source of in-come); and

3. Business has no employees. Business is ineligi-ble if the insured employs hired help in the ac-tivity (regardless of income). A General Liability policy must be written and Workers’ Compensa-tion insurance provided, as the Farm Personal Liability policy does not cover employers’ liability for these activities. Therefore, the Workers Compensation Exclusions stated in the policy apply to any such employees.

4. If insured/applicant is engaged in an incidental business (such as bee keeping, storage of prop-erty of others and/or open air markets, etc.), which is not listed as an eligible activity but meets the rules outlined above, it may qualify for coverage under Incidental Retail/Service N.O.C. Contact your Farm Casualty Underwriter for ap-proval prior to binding coverage.

C. ELIGIBLE ACTIVITIES

1. Antique Shop

2. Appliance Repair Shop

3. Bait Shop

4. Beauty or Barber Shop

5. Building(s) owned by insured and leased to 3rd party for commercial purposes (lessor’s risk only)

6. Cabinet Shop/Handcraft Shop

7. Carpentry – Odd Jobs

8. Custom Corn Shelling

9. Farm Product Salesman

10. Farm Tractor Use – Off Premises for Snow Re-moval, Plowing Gardens, etc.

11. Incidental Retail/Service N.O.C.

12. Landscaping (excludes tree trimming, bulldoz-ing, and excavations)

13. Licensed Product Sales such as Mary Kay, Avon, and Pampered Chef

14. Office/ Studio such as Insurance Office, Real Estate Office, and Music/Tutoring Lessons (see Rule 304.)

15. Off-Premises Limited Activity – Use of Power Appliances for Hire

16. Refreshment Stands (Not Restaurants)

17. Sewing/Upholstery Shop

18. Shearing Sheep

19. Taxidermy

D. INELIGIBLE ACTIVITIES

1. Appraisers (home appraisals and/or inspections)

2. Archery or gun ranges, including skeet or trap shooting

3. Auctioneers

4. Bulldozing, backhoe, or grading

5. Camp grounds and/or picnic grounds

6. Corn mazes open to the public

7. Custom spraying

8. Custom farming and/or custom feeding activities

9. Dance studios or exercise classes

10. Dog kennels, includes ownership or use of dogs for breeding purposes and boarding of dogs

11. Equestrian business activities, meaning commercial activities involving horse boarding, racing stables, breeding, livery, lessons, hoof trimming and/or shoeing, rental or riding of horses for hire, and hayrides

12. Fishing for charge

13. Food processing, food preparation, and other food sales such as:

• Canned meats • Catering • Custom butchering • Homemade jams, jellies, pie/cakes, etc.

*



RULE 408. GMRC 1031 MOA – BUSINESS ACTIVITIES ENDORSEMENT (Cont’d.)

14. Fruit orchards open to the public

15. Hunting on premises, for a charge

16. Day care services

17. Lawn mowing (ineligible if performed for county or state)

18. Livestock dealers

19. Machinery rental or repair, including repair of autos and/or farm machinery

20. Manufacturing/welding shops

21. Manure hauling for hire

22. Massage therapy (or any other “hands on procedure” such as tattoos or electrolysis)

23. Miniature golf courses or golf driving ranges

24. Petting zoo

25. Preschools

26. Rock quarries

27. Sandblasting and/or spray painting

28. Sawmills

29. Seed corn processing

30. Snow removal for businesses or governmental subdivisions (local, state, or federal)

31. Swimming for a charge

32. Tanning beds

33. Tennis/handballs/shuffle board courts

34. Tree trimming

E. RATES

A separate charge applied to each activity, if the in-sured is engaged in more than one; each business activity must be described on the endorsement. The combined gross receipts from all activities may not exceed $40,000 per year. Refer to liability rate schedule for rates.

RULE 409. GMRC 1048 MOA – RESTRICTIVE LIVESTOCK ENDORSEMENT

Excludes coverage for crop damage caused by escaped livestock until fences are repaired.

RULE 410. GMRC 1912 MOA – SPECIFIC ACTIVITY OR LOCATION ENDORSEMENT

Manuscript type endorsement used to exclude coverage for a specific activity and/or location (contact your Farm Casualty Underwriter for assistance with drafting this endorsement).

RULE 411. RESERVED FOR FUTURE USE

RULE 412. GMRC 2229 MOA – LIVESTOCK EXCLUSION ENDORSEMENT

A 20% discount applies when insured is not engaged in raising livestock or poultry (excludes coverage for same, but provides coverage for personal or hobby livestock, such as 4H or FFA projects).

RULE 413. GMA 2233 – NON-OCCUPIED LANDLORD’S LIABILITY LIMITATION

* For GL-2; this is not applicable to HO/MHO with ML 29 & 311 because these risks are (or should be) owner oc-cupied (50% discount applies).

RULE 414. GMA 2252 – HUNTING AND FISHING COVERAGE

FCPL (incl HO/MHO with ML 29 & 311). Gross receipts may not exceed $5,000. (Coverage is included at no charge if gross receipts are $2,000, or less).

The hunting or fishing activity must be incidental in na-ture and make use of no employees. The standard Farm Liability policy will not cover employers’ liability for these activities. If the insured employs hired help in the activity, coverage must not be written.

The rate is fully earned when the coverage is issued.



RULE 415. GMA 2256 – DOG RESTRICTION

This endorsement excludes coverage for property dam-age and bodily injury caused by any dog; will be used in those instances where there have been repeated claims arising from dog bites or property damage.

RULE 416. GMRC 2259 MOA – OWNER-OCCUPIED LANDLORD’S LIABILITY LIMITATION

Attach if insured resides on-premises but has relin-quished control of farm operation to a 3rd party (35% discount). NO coverage for bodily injury and property damage arising out of any act performed by the insured with respect to the farming operation except routine maintenance.

This endorsement can be attached to AAIS HO/MHO with ML-29 & 311 attached; and to GL-2.

RULE 417. GMA 2271 – FARM PREMISES AND OPERATIONS LIMITED LIABILITY ENDORSEMENT

This endorsement should be used when the insured re-sides outside the state of Missouri but owns and oper-ates a farm operation that is primarily located within the state of Missouri, not extending more than 50 miles from the border, into any neighboring state.

This endorsement provides liability coverage arising out of:

1. The insured premises.

2. Personal acts while an insured is on the farm premises.

3. Farm operations. Coverage is also provided for liability arising out of the non-business use of a farm implement (such as a parade or helping a neighbor).

Personal liability acts (except as indicated above), will be covered by the world wide personal acts coverage which is provided by another policy for that insured. (15% Dis-count applies).

RULE 418. GMRC 2293 – ADDITIONAL INSURED – LIMITED (POWER COMPANY OR COOPERATIVE)

Extends limited liability coverage to the power company with respect to bodily injury and property damage caused by the insured’s power generating equipment.

RULE 419. GMA 2295 – CONTRACT GROWER LIMITED LIABILITY COVERAGE

The purpose of this endorsement is to provide limited coverage for damages arising from suffocation, asphyxi-ation, hyperthermia, or hypothermia of non-owned live-stock in the insured’s care, and for which the insured is legally liable. This coverage compliments the named perils and any optional suffocation coverage that can be written by the farm mutual, under the farm property poli-cy. This includes loss caused by a 3rd party, who was hired by the insured to pump pits, when insured is con-tractually liable for such loss.

Coverage is rated on a contract grower’s total livestock capacity and is subject to the limit stated in the Declara-tions for Coverage L – Liability. Examples of covered losses include suffocation that occurs when the pits are pumped or when an insured neglects to turn the fans on, after routine maintenance.

A. ELIGIBLE RISKS:

1. This endorsement may not be added to any pol-icy if a confinement structure on the farm does not have the safety/warning equipment de-scribed in Exclusion 8. (Refer to Endorsement.)

2. Contact your Farm Casualty Underwriter for ap-proval prior to binding coverage.

3. The livestock must be insured under a farm property policy written by a member mutual.

4. The type of livestock (such as hogs, cattle, etc.,) must be described in the endorsement or shown in the Declarations.

5. Any endorsement previously attached to extend liability to a custom feeding operation for a charge (such as GL-75) should be deleted.

6. The insured must have an alarm system that monitors electrical power failure and tempera-ture extremes and an auxiliary electrical gener-ating system.

B. INELIGIBLE RISKS:

1. There has been a loss in the past 3 years that exceeded 10% of the total value of the livestock.

2. Poultry farms.

NOTE: If you attached GL-75 to extend coverage for custom farming/feeding up to $2,000 gross receipts at NO charge, you do not need to delete the endorsement.

*



RULE 420. GMA 2297 – AGRICULTURAL CUSTOM SPRAYING (LIMITED LIABILITY COVERAGE)

Extends liability to cover bodily injury and property dam-age arising out of the insured’s custom spraying opera-tion. The gross receipts must be stated on the endorse-ment or in the Declarations. This coverage does not ap-ply to release from an aircraft or to any loss resulting from reduced crop yields due to the failure of the applied chemical to adequately control week or bug infestations. A separate application is required for this endorsement (GMRC 2297A RL).

A. ELIGIBLE RISKS

* 1. Contact your Farm Casualty Underwriter for ap-proval prior to binding coverage.

2. The applicator must be licensed.

3. The applicator can have no more than 2 losses in the prior 3 year period.

4. The applicator must have less than $80,000 in gross receipts annually.

RULE 421. GMA 2332 – SELECT RECREATIONAL VEHICLE LIMITED LIABILITY COVERAGE

Extends Coverage L and M to provide off-premises cov-erage for bodily injury and property damage arising out of the use of a recreational vehicle, which includes an all terrain vehicle, snowmobile, boat, and/or a golf-cart when specifically described in the endorsement, or in the Declarations. This endorsement replaces GL-82, GL-83,and GL-566, for watercraft, snowmobiles, and ATVs, re-spectively; and provides off-premises liability coverage for golf carts when used for purposes other than golfing.

This endorsement does not provide Uninsured or Under-insured Motorist Coverage or Physical Damage Cover-age. If used primarily for recreational purposes, off-premises, a Recreational Vehicle policy is recommended (UM/UIM coverage is not available for watercraft in Mis-souri, under the Recreational Vehicle policy).

1. Coverages

a. Principal Liability Coverages:

Coverage L – Liability – Provides liability coverage for bodily injury and property dam-age arising out of the use of an SRV, as well as:

1) A replacement vehicle, of the same type, if the company is notified within 30 days; and

2) An additionally acquired vehicle if the company is notified within 30 days and all the insured’s select recreational vehi-cles are insured by the mutual and/or GMRC.

b. Coverage M – Medical Payments To Others

Applies to injury to a guest passenger, a permissive operator of a covered SRV (other than a named insured or a relative residing in the insured’s household); and to third par-ties, such as pedestrians, etc.

c. Incidental Liability Coverages – The follow-ing new coverage is added:

Medical Payments To An Insured Coverage – Provides up to $1,000 for medical expenses incurred by a named insured, or a relative re-siding in the insured’s household, for injury arising out of the use of a covered SRV, on or off premises.

2. Underwriting Guidelines

a. Eligible Recreational Vehicles – Must be continuously insured, unless the unit has been sold or otherwise disposed of, and in-clude:

1) All-Terrain Vehicles – A four or more wheeled motor vehicle equipped with balloon tires or crawler treads designed for use on rugged terrain or rugged ter-rain and water.

2) Snowmobiles – Motor vehicles designed for use primarily on snow or ice, using wheels or crawler type belts for locomo-tion, but not including a vehicle using airplane-type propellers or fans as a means of propelling itself across land, ice, or snow. Contact your Farm Casual-ty Underwriter for prior approval if snowmobile exceeds 800cc.



RULE 421. GMA 2332 – SELECT RECREATIONAL VEHICLE LIMITED LIABILITY COVERAGE (Cont’d.)

* 3) Watercraft – A small open vessel 26 feet in length, or less, designed for use on water, and that is powered by an in-board, inboard-outdrive motor or out-board motor and is not a personal wa-tercraft commonly known as a jet ski or wet bike. Contact your Farm Casualty Underwriter for approval and/or rating information if watercraft has:

a) A top speed in excess of 55 mph; or

b) Outboard motor with more than 175 HP, an inboard or inboard/outdrive motor with more than 260 HP.

4) Golf Carts – Off-premises liability cover-age may be written for golf-carts while used for transportation if permitted by a gated or other community.

b. Prohibited Recreational Vehicles

1) Any recreational vehicle:

a) Not continuously insured during the policy period, unless unit is sold or otherwise disposed of;

b) Used for business purposes, this in-cludes rental or leasing to others;

c) Owned by a non-licensed driver; or

d) Used in racing, speed or other per-formance contests.

2) All-Terrain Vehicles:

a) Licensed for the road;

b) Exceeding 750 cc;

c) Dune buggies or sand-rails; or

d) Designed specifically for children.

3) Snowmobiles:

a) That are modified or altered in any way;

b) Designed specifically for children (i.e. Kitty Cat); or

c) That exceeds 600cc if owner or op-erator is under 22 years of age.

4) Go-Carts;

5) 3-Wheelers;

6) Motorcycles or dirt bikes;

7) Scooter/bicycles (2 wheeled units that may be pedaled, or powered by a bat-tery);

8) Watercraft more than 26 feet in length, including sailboats or rowboats; air-boats, iceboats, and hovercraft; person-al watercraft such as jet skis, wet jets, wave runners, water bikes, wave bust-ers, air boats, or similar units.

3. Rates – Refer to Liability Rate Schedule for rates.



RULE 422. GMIL 4744 – HORSE/RODEO BUSINESS EXCLUSION

This form excludes coverage for bodily injury or property damage arising out of any commercial activity related to any insured’s horse and/or rodeo activities/operations. This form does not exclude coverage for the insured’s own personal use of livestock.

RULE 423. GMIL 4749 – ADDITIONAL INSURED (LIMITED) – SPECIAL EVENT

Amends the definition of insured to include the person or organization only with respect to the event described on the endorsement. Coverage is limited to the place, times, and dates indicated, and only for non-business activities. (such as wedding receptions, etc.)

RULE 424. GMIL 4757 – RACE TRACK EXCLUSION

Excludes bodily injury or property damage incurred by any person, employee, or insured for use of a race track of any type whether or not for a charge.

RULE 425. GMIL 4758 – ROADSIDE PARK/CAMPGROUND EXCLUSION

Excludes bodily injury or property damage incurred by any person, employee, or insured for use of a recrea-tional facility, including a picnic area or camp ground.

RULE 426. GMIL 4759 – SHOOTING RANGE EXCLUSION

Excludes bodily injury or property damage incurred by any person, employee, or insured for a shooting range of any type open for use by a group, club, or organization, whether or not for charge.

RULE 427. GMIL 4760 – BULLDOZING/EXCAVATION EXCLUSION

Excludes bodily injury or property damage incurred by any person, employee, or insured arising from an exca-vation operation performed for hire.

RULE 428. GMIL 4761 – FOOD PREPARATION/PROCESSING EXCLUSION

Excludes bodily injury or property damage arising from the preparation, processing, transportation, or sale of manufactured food products for a charge.

RULE 429. GMIL 4762 – SAWMILL EXCLUSION

Excludes bodily injury or property damage incurred by any person, employee, or insured arising out of any sawmill that operates for a charge.

RULE 430. GMIL 4763 – ROCK QUARRY/GRAVEL PIT EXCLUSION

Excludes bodily injury or property damage incurred by any person, employee, or insured arising out of any rock quarry or gravel pit operation located on the insured premises.

RULE 431. GMIL 4764 – MANURE HANDLING EXCLUSION

Excludes bodily injury or property damage incurred by any person, employee, or insured arising out of hauling, pumping, transportation, or spreading of manure or any related activity, for hire.

RULE 432. GMIL 4766 – DOG BREEDING EXCLUSION

Excludes bodily injury or property damage incurred by any person, employee, or insured arising out of a dog breeding operation or related activity.

RULE 433. GMIL 4767 – AUCTIONEER EXCLUSION

Excludes bodily injury or property damage incurred by any person, employee, or insured arising out of the own-ership, operation, or maintenance of auctioneering activi-ties, whether performed on or off the insured premises.

RULE 434. GMIL 4768 – BEAUTY OR BARBER SHOP EXCLUSION

Excludes bodily injury or property damage incurred by any person, employee, or insured arising out of the own-ership, operation, or maintenance of any beauty shop or barber shop located on the insured premises.

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RULE 435. GMRC 4809 – 4816 – HOME BUSINESS ENDORSEMENTS (LIABILITY)

Refer to separate Home-Business manual.

RULE 436. GMIL 4752 – ADDITIONAL INSURED – OTHER RESIDENTS OF YOUR HOUSEHOLD

This endorsement provides broad form coverage for the individual(s) listed on the endorsement or in the Declara-tions, and their resident relatives, when these individuals are living in the same residence as the named insured.

RULE 437. GMIL 4772 – LIABILITY LOSS ASSESSMENT INCREASED LIMITS

This endorsement increases the coverage for Loss As-sessment provided under Additional Coverages to the amount of coverage shown in the endorsement or in the Declarations, subject to a $1,000 maximum payment to-wards the Association Deductible. Refer to the Liability Rate Schedule for rates.

RULE 438. GMIL 4777 – HORSE BOARDING COVERAGE

This endorsement provides bodily injury and property damage which occurs as a result of a horse boarding operation for which the insured is legally liable. $5,000 for damage to property of others is included.

A. ELIGIBLE RISKS

1. Total maximum number of boarded horses is ten (10).

2. Horses must be used for pleasure use only (no riding lessons, teaching, instructing, etc.).

3. Boarded donkeys and mules are eligible.

4. Contact your Farm Casualty Underwriter for ap-proval for risks with boarded horses in excess of 10.

5. Owned horse, donkeys, or mules are not to be counted in the maximum number of boarded horses.

B. INELIGIBLE RISKS

Professional showing, racing, competition, or breed-ing is not allowed.

RULE 439. GMA 4300 – ADDITIONAL INSURED – LIMITED (WIND TURBINE/CELL PHONE TOWER)

* This endorsement is used to protect the insured against liability claims arising out of a non-owned tower located on the insured’s land, thereby waiving the business ex-clusion. Property damage coverage is also provided for damage to the property of the Tower Lessee caused by the insured or a farm employee, if it arises from farming, thereby waiving the care, custody and control exclusion. Lastly and only if specifically required by a written agreement, it extends limited liability coverage to the Tower Lessee as an Additional Insured.

NOTE: When this endorsement is attached, Business Activities Endorsement (GMRC 1031 MOA) should not be attached to the policy as these coverages are already included in GMA 4300.

RULE 440. GMIL 4629 – ADDITIONAL INSURED PRIMARY AND NON-CONTRIBUTORY

This endorsement adds the designated person or organ-ization as an additional insured on a primary and non-contributory basis only when required by the written con-tract or agreement pertaining to rental of spaces at farmers markets, fairs, antique malls, wedding reception halls, or similar activities.

This endorsement may not be used for business activi-ties such as small scale carpenters, plumbers, snow re-moval businesses, or other contractors who might have ongoing relationships with larger contractors or busi-nesses. These types of businessmen should be under-written under the General Liability programs.

Refer to Liability Rate Schedule for rate.

*



RULE 441. GMIL 4627 – WAIVER OF SUBROGATION AND RIGHT OF CONTRIBUTION

When required by contract, this endorsement waives any right of recovery against the person or organization de-scribed in the Schedule (or in the Declarations) but only with respect to the described premises or activity listed. We will not seek contribution from the designated party’s insurance carrier because of payment made under this policy. This endorsement does not make the designated person or organization an “insured”, therefore the com-pany will not indemnify or defend the designated person or organization – we only agree not to file a third party claim against them.

Eligible risks: This endorsement is intended to be used in circumstances similar to rental of spaces at farmers markets, fairs, antique malls, wedding reception halls, etc. It is not to be used for small scale carpenters, plumbers, snow removal businesses, or other contrac-tors who might have ongoing relationships with larger contractors or businesses. These types of businesses should be written on a General Liability policy.

This endorsement must be approved by your Farm Cas-ualty Underwriter before it is attached to the policy.


*



PART V – AAIS / GMRC COMPARATIVE FORMS LIST

MANDATORY FORMS – GL-2 AAIS FORM # GMRC Form #

Farm Personal Liability Policy – policy provisions. GL-2 1.0 GMRC 2210P & GMRC 2210P RL

(7-09)

Amendatory Endorsement (defined terms may be shown in bold or quotes).

CL-300 1.0 GMRC 2255

Amendatory Endorsement – Missouri (for Assessable Mutuals) FL 5107 (10-05) RC 660620 (07-13)

Amendatory Endorsement – Missouri (for Non-assessable Mutuals) FL 5108 (10-05) RC 660620RL (07-13)

Custom Farming – Must be attached to provide coverage for Custom Farming if receipts are $2,000, or less, at no charge; increased limits are available. (This is used as an optional endorsement to provide coverage when gross receipts exceed $2,000, for a charge. Refer to Optional Forms, below.)

GL-75 1.0 GMRC 2260 (7-09) & GMRC 2261 (7-09)

Employers Liability – Farm Employees (includes Employee Medical Payments) – must be attached to provide coverage for up to 6 man months, at no charge; increased limits are available.

GL-76 1.0 Up to 6 man months is incl in basic FG policy

(GMRC 2210P)

Office, Professional, Private School or Studio Occupancy (used to pro-vide coverage for a business if gross receipts are $2,000, or less). Use GMRC 1031 MOA if gross receipts are $2,001 to $40,000.

GL-80 1.0 Incl in basic FG policy

(GMRC 2210P)

Fungi and Bacteria Endorsement (limits liability coverage to $50,000 for damage arising out of fungi).

GMRC 1992 MOA (8-02)

Incl in (GMRC 2210P)

Farm Implement – All Material Transport Vehicles

Adds definition for "farm implement" to policy.

GMRC 2292 MOA (1-07)


Annual Aggregate Endorsement – Adds annual aggregate limit (2 times the limit stated for Cov L)

GMRC 2273 MOA (1-06)


Identity Theft Expense Coverage. GMIL 4722 (7-09) GMIL 4722 (7-09)

Punitive Damage, Lead, & Asbestos Exclusion – Replaces the Punitive Damage Exclusion, GL-10 1.0; and the Lead Liability Exclusion, ML-223; and adds an Exclusion for BI/PD arising out of asbestos.

GL-5890 (11/02) NA

Suit Against Us – Assessable Companies – 12 month limitation (applies to Part II Assessable only if mutual writes the liability).

GL-5891 (12/03) NA

Suit Against Us – Non-Assessable Companies – 10 year limitation (applies to Part II Assessable if GMRC writes the liability; and all Part II Non-Assessable mutuals).

GL-5892 (12/03) NA

Assessable Policy Terms Endorsement (for Assessable mutuals only) – Okay to state on page 1 of jacket, or use AAIS’ CL 5000.

RC 354 MO (6-02) RC 354 MO (6-02)

Limitation of Coverage – Missouri Property and Casualty Insurance Guaranty Association.

Incl in AAIS Amendatories

Incl in Amendatory

Personal Injury Coverage GMA 1945 (7-09) GMRC 1945 (7-09)

Farm Liability Amendatory GMA 3475 (04-13) Incl in (GMRC 2210P)

Oil or Gas Well Liability Exclusion GMIL 4618 (07-13) GMIL 4618 (07-13)



PART V – AAIS / GMRC COMPARATIVE FORMS LIST (Cont’d.)

CONDITIONAL / MANDATORY FORMS AAIS FORM # GMRC Form #

Limited Farm Pollution Coverage – Extends Coverage L to provide cover-age for damages arising out of spray drift of Agricultural Chemicals and Discharge, Dispersal, Spill, Release, or Escape of Agricultural Chemicals. The limit stated in the endorsement (or show in the Declarations) is the most that will be paid for any single occurrence during a single policy year.

GL-565 1.0

Certified Acts of Terrorism – Liability – Mandatory for GL-2, GL-600 & GL-610 if GMRC writes the liability; conditional if mutual writes the liability.

GMRC 2269 (1-08) GMRC 2269 (1-08)

Liability Exclusion for Certified Acts of Terrorism mandatory for GL-2, GL-600 & GL-610 if insured rejects GMRC 2269 for Reinsured Liability only.

GMRC 2270 RL (1-08)

GMRC 2270 RL (1-08)

Assessable Policy Terms Endorsement (for assessable companies only) RC 354 MO (6-02) or

CL-5000 (1-02)

RC 354 MO (6-02)

Fair Credit Reporting Notice (Adverse UW Action Notice) RC 364 (04-11) RC 364 (04-11)

OPTIONAL FORMS AAIS FORM # GMRC Form #

Additional Insureds (premises liability) GL-70 1.0 GMRC 1023 (7-97)

Additional Insureds (broad form) GL-71 1.0 Listed on Dec as ‘Addi-tional Named Insured’

(no end. req’d)

Additional Insureds and Additional Residences (resident of named insured’s household)

GL-72 1.0 Listed on Dec as ‘Addi-tional Named Insured’ (no

end. req’d)

Additional Insureds and Additional Residence (additional farm residence located on insured farm premises – not rented to others)

GL-72 1.0 List on Dec as ‘Addtl farm residence’ (no end. req’d)

Additional Residence or Farms Rented To Others) GL-73 1.0 List on Dec as ‘Addtl farm residence’ (no end. req’d)

Additional Insureds and Additional Residences (additional residence maintain by insured – town residence occupied by insured)

GL-72 1.0 List on Dec as Town Residence Occupied by Insured if located in town

(no end. req’d).

Additional Residences or Farms Rented To Others GL-73 1.0 GMRC 1037 (01-10)

Employee Occupational Liability Endorsement GL-74 1.0 GMRC 1021 (7-09)

Custom Farming – Must be attached to provide coverage for Custom Farming when gross receipts exceed $2,000. (This is used as a mandatory endorsement to provide coverage when gross receipts are $2,000, or less at no charge. Refer to Mandatory Forms, above.)

GL-75 1.0 GMRC 2260 (7-09)

Care Provided for Others Coverage GL-84 1.0 GMRC 2246 (7-09)





Limited Farm Pollution Coverage – Extends Coverage L to provide cover-age for damages arising out of spray drift of Agricultural Chemicals and Discharge, Dispersal, Spill, Release, or Escape of Agricultural Chemicals. The limit stated in the endorsement (or shown in the Declarations) is the most that will be paid for any single occurrence and during a single policy year.

GL-565 1.0 Limited coverage is included in Farm-Guard

(no end. req’d)

Manuscript Policy Endorsement GMRC 911 (4-77) GMRC 911 (4-77)

Business Activities Coverage GMRC 1031 MOA (8-01)

GMRC 1031 (01-14)

Livestock Restriction GMRC 1048 MOA (9-06)

GMRC 1048 (7-09)

Specific Activity or Location Endorsement GMRC 1912 MOA (8-01)

GMRC 1912 (7-97)

Livestock Exclusion Endorsement GMRC 2229 MOA (8-01)

GMRC 2229 (7-97)

Non-Occupied Landlord's Liability Limitation (Restricted To Farm Premises And Operations Only)

GMA 2233 (7-09) GMRC 2233 (7-09)

Hunting and Fishing Coverage GMA 2252 (7-09) GMRC 2252 (7-09)

Dog Restriction GMA 2256 (3-09) GMRC 2256 (1-01)

Owner-Occupied Landlord's Liability Limitation GMRC 2259 MOA (8-01)

GMRC 2259 (7-09)

Farm Premises and Operations Limited Liability Endorsement GMA 2271 (07-14) GMRC 2271 (07-14)

Additional Insured – Limited (Power Company or Cooperative). Extends limited liability coverage to the power company with respect to BI/PD caused by the insureds power generating equipment.

GMRC 2293 (8-07) GMRC 2293 (8-07)

Contract Grower Limited Liability GMA 2295 (11-09) GMRC 2295 MO (1-09)

Agricultural Custom Spraying (Limited Liability Coverage) GMA 2297 (01-10) GMRC 2297 (01-10)

Select Recreational Vehicle Limited Liability Coverage – Replaces GL-82, GL-83 & GL-566. Provides off-premises liability for golf carts when used for purposes other than golfing.

GMA 2332 (7-09) GMRC 2332 (7-09)

Additional Insured – Limited Wind Turbine/Cell Phone Tower GMA 4300 (01-14) GMRC 4300 (07-11)

Waiver of Subrogation and Right of Contribution GMIL 4627 (07-14) GMIL 4627 (07-14)

Additional Insured Primary and Non-Contributory GMIL 4629 (07-14) GMIL 4629 (07-14)

Horse/Rodeo Business Exclusion GMIL 4744 (1-09) GMIL 4744 (1-09)

Additional Insured (Limited) – Special Event GMIL 4749 (7-09) GMIL 4749 (7-09)

Additional Insured – Other Residents of Your Household GMIL 4752 (03-10) GMIL 4752 (03-10)

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Race Track Exclusion GMIL 4757 (1-10) GMIL 4757 (1-10)

Roadside Park/Campground Exclusion GMIL 4758 (1-10) GMIL 4758 (1-10)

Shooting Range Exclusion GMIL 4759 (1-10) GMIL 4759 (1-10)

Bulldozing/Excavation Exclusion GMIL 4760 (1-10) GMIL 4760 (1-10)

Food Preparation/Processing Exclusion GMIL 4761 (1-10) GMIL 4761 (1-10)

Sawmill Exclusion GMIL 4762 (1-10) GMIL 4762 (1-10)

Rock Quarry/Gravel Pit Exclusion GMIL 4763 (1-10) GMIL 4763 (1-10)

Manure Handling Exclusion GMIL 4764 (1-10) GMIL 4764 (1-10)

Dog Breeding Exclusion GMIL 4766 (1-10) GMIL 4766 (1-10)

Auctioneer Exclusion GMIL 4767 (1-10) GMIL 4767 (1-10)

Beauty or Barber Shop Exclusion GMIL 4768 (1-10) GMIL 4768 (1-10)

Liability Loss Assessment Increased Limits GMIL 4772 (03-10) GMIL 4772 (03-10)

Horse Boarding Coverage GMIL 4777 (01-11) GMIL 4777 (01-11)

FCPL * denotes change 01/14 FCPL-R-1 MOA Rates

FARM-GUARD (FARM LIABILITY) MANUAL RATE SCHEDULE MISSOURI COMBINED SINGLE LIMIT AAIS

BASIC COVERAGES

AAIS FCPL (GL-2 or HO FORM WITH ML 29 & ML 311)

• Liability and Medical Payments to the Public • Liability and Medical Payments to Farm Employees • Damage to Property of Others

PUBLIC & EMPLOYERS’ LIABILITY (A minimum of $1,000 Med and $500 PDP also required.)

Limits of Liability 50,000 100,000 300,000 500,000 1,000,000

* Initial Farm Residence up to 240 Acres Included Public BI/PD – Required ...................................................... $63.13 $77.99 $94.63 $120.51 $157.06

Acreage 241 to 640 Acres (Per Acre) ............................. 0.06 0.08 0.10 0.11 0.12 Acreage 641 and Over Acres (Per Acre) ........................ 0.02 0.03 0.05 0.06 0.07

* PDP (Required):

$500 ........................................................................... 5.33 5.33 5.33 5.33 5.33

* Medical Payments to Public:

$1,000 – Required Minimum......................................... 5.33 5.33 5.33 5.33 5.33$2,000 ........................................................................... 16.42 16.42 16.42 16.42 16.42$5,000 ........................................................................... 27.50 27.50 27.50 27.50 27.50$10,000 ........................................................................... 38.64 38.64 38.64 38.64 38.64$15,000 ........................................................................... 46.90 46.90 46.90 46.90 46.90$20,000 ........................................................................... 53.83 53.83 53.83 53.83 53.83$25,000 ........................................................................... 59.70 59.70 59.70 59.70 59.70

* Employers’ BI: 0 to 6 man-months – Required Minimum.................... 25.18 34.50 43.84 46.63 48.017 to 12 man-months add ............................................... 79.32 108.68 138.10 146.88 151.2313 to 18 man-months add ............................................... 92.54 126.79 161.11 171.37 176.4419 to 24 man-months add ............................................... 105.76 144.90 184.13 195.85 201.6425 to 36 man-months add ............................................... 118.98 163.01 207.14 220.33 226.8537 to 48 man-months add ............................................... 132.20 181.13 230.16 244.81 252.0549 to 60 man-months add ............................................... 249.79 342.24 434.89 462.57 476.2661 to 72 man-months add ............................................... 367.38 503.36 639.63 680.33 700.4773 to 84 man-months add ............................................... 484.97 664.47 844.36 898.09 924.67

* Medical Payments to Employees: $1,000 – Required Minimum......................................... 7.78 7.78 7.78 7.78 7.78$2,000 ........................................................................... 23.96 23.96 23.96 23.96 23.96$5,000 ........................................................................... 40.14 40.14 40.14 40.14 40.14$10,000 ........................................................................... 56.41 56.41 56.41 56.41 56.41$15,000 ........................................................................... 68.46 68.46 68.46 68.46 68.46$20,000 ........................................................................... 78.58 78.58 78.58 78.58 78.58$25,000 ........................................................................... 87.14 87.14 87.14 87.14 87.14

Country Home Residence ................................................... 20% Discount to the Basic Coverages Up to 100 acres including 1 man-month employee labor Farm-Guard Premium



OPTIONAL COVERAGES


Limits of Liability FORM ‡ 50,000 100,000 300,000 500,000 1,000,000

Additional Farm Residence Located on insured farm premises; NOT rented to others GL-72 B $16.00 $18.00 $20.00 $22.00 $24.00

Located on insured farm premises; rented to others ....... GL-73 16.00 18.00 20.00 22.00 24.00

Add’l Insured – Limited (Wind Turbine/Cell Phone Tower) GMA 4300 Initial Tower Lessee ........................................................ 75.00 86.00 97.00 105.00 121.00 Subsequent Tower Lessees ........................................... 25.00 30.00 33.00 35.00 37.00

Additional Named Insured ................................................... GL-71 11.00 12.00 14.00 15.00 17.00 Resident of the named insured household ...................... GL-72 A 11.00 12.00 14.00 15.00 17.00

Other Residents of Your Household ...............................GMIL 4752 11.00 12.00 14.00 15.00 17.00

* Additional Interest Insured (Premises Only, per entity) ........ GL-70 A 5.00 8.00 8.00 9.00 9.00

* Additional Insured – Primary and Non-Contributory ............GMIL 4629 $75 per entity

Additional Residence Maintained by Insured (Cabins) ........ GL-72 F 6.00 7.00 8.00 9.00 10.00

Agricultural Custom Spraying (Limited Liability Coverage) GMA 2297 Up to $40,000 Gross Receipts ....................................... A 203.00 242.00 317.00 360.00 426.00 $40,001 to $80,000 Gross Receipts............................... B 254.00 302.00 396.00 451.00 532.00

Contract Grower Limited Liability GMA 2295 0 to 1,200 Total Livestock Capacity ....................... 375.00 469.00 563.00 638.00 750.00 1,201 to 4,800 Total Livestock Capacity ....................... 500.00 625.00 750.00 850.00 1,000.00 4,801 to 9,600 Total Livestock Capacity ....................... 625.00 781.00 938.00 1,063.00 1,250.00 9,601 to 14,400 Total Livestock Capacity ....................... 675.00 844.00 1,013.00 1,148.00 1,350.00 For Each Additional 10,000 of Total Livestock Capacity . 25.00 32.00 38.00 43.00 50.00

Custom Farming Coverage (GMRC 2260) .......................... GL-75 $ 2,000 to $ 5,000 Gross Receipts ........................ A 24.00 28.00 36.00 46.00 55.00 $ 5,001 to $ 10,000 Gross Receipts ........................ B 35.00 38.00 46.00 55.00 64.00 $ 10,001 to $ 20,000 Gross Receipts ........................ C 47.00 52.00 61.00 71.00 79.00 $ 20,001 to $ 30,000 Gross Receipts ........................ D 55.00 61.00 83.00 88.00 98.00 $ 30,001 to $ 40,000 Gross Receipts ........................ E 61.00 67.00 92.00 96.00 108.00 $ 40,001 to $ 50,000 Gross Receipts ........................ F 67.00 74.00 101.00 106.00 119.00 $ 50,001 to $ 60,000 Gross Receipts ........................ G 74.00 82.00 108.00 115.00 128.00 $ 60,001 to $ 75,000 Gross Receipts ........................ H 88.00 95.00 121.00 136.00 149.00 $ 75,001 to $ 100,000 Gross Receipts ........................ I 101.00 109.00 138.00 154.00 168.00 $100,001 to $ 125,000 Gross Receipts ........................ J 113.00 122.00 152.00 169.00 185.00 $125,001 to $ 150,000 Gross Receipts ........................ K 124.00 134.00 166.00 184.00 200.00

Custom Feeding Limited Liability Coverage (GMRC 2261) GL-75 $ 2,000 to $ 150,000 Gross Receipts ........................ A 30.00 34.00 38.00 42.00 50.00 $150,001 to $ 300,000 Gross Receipts ........................ B 54.00 62.00 66.00 82.00 86.00 $300,001 to $ 600,000 Gross Receipts ........................ C 71.00 82.00 86.00 108.00 113.00 $600,001 to $ 900,000 Gross Receipts ........................ D 90.00 103.00 109.00 136.00 143.00 For each Additional $100,000 of Gross Receipts ........... E 5.50 6.20 6.60 8.40 8.60

Employee Occupational Liability Coverage GL-74 Clerical ........................................................................... A 3.00 5.00 6.00 6.00 7.00 Salesmen ....................................................................... B 6.00 6.00 7.00 8.00 9.00 Teachers (Coaches, Laboratory, Shop) ......................... C 10.00 11.00 12.00 14.00 15.00 All Other Teachers ......................................................... D 7.00 8.00 9.00 10.00 11.00 NOC ............................................................................... E 6.00 6.00 7.00 8.00 9.00

‡ Data entry instructions (GMRC staff only): Add letter code or other information, as indicated, so system will rate correctly.



OPTIONAL COVERAGES (Cont’d.)


Limits of Liability FORM ‡ 50,000 100,000 300,000 500,000 1,000,000

Home Day Care Provider Coverage .................................. GL-84 68.00 81.00 95.00 108.00 122.00

Horse Boarding Coverage ................................................. GMIL 4777 150.00 162.00 197.00 225.00 312.00

* Residential Rental Property Coverage (per building) GL-73 A One or Two Family ....................................................... 22.00 27.00 32.00 35.00 43.00 Three Family ................................................................ 28.00 34.00 40.00 44.00 54.00 Four Family .................................................................. 33.00 41.00 48.00 53.00 65.00

Hunting and Fishing Coverage .......................................... GMA 2252 84.00 113.00 135.00 152.00 163.00

Select Recreational Vehicle – Limited Liability Coverage (rates are per unit)

GMA 2332

ATVs <= 600 cc ............................................................ G 44.40 47.20 51.20 58.80 65.40

ATVs > 600 cc .............................................................. J 48.00 51.20 55.20 64.80 72.40

AMTs ............................................................................ P 44.40 47.20 51.20 58.80 65.40

Golf carts ...................................................................... B 44.40 47.20 51.20 58.80 65.40

Snowmobiles <= 600 cc ............................................... A 44.40 47.20 51.20 58.80 65.40

Snowmobiles > 600 cc ................................................. H 48.00 51.20 55.20 64.80 72.40

Outboard 26 – 75 HP ................................................... K 12.24 12.58 15.54 16.28 16.92

Outboard 76 – 125 HP ................................................. L 14.30 14.80 16.28 20.72 21.68

Outboard over 125 HP ................................................. M 17.76 18.50 19.98 28.12 29.61

Inboard or I/O <= 40 MPH ............................................ N 17.46 18.50 21.46 28.12 33.30

Inboard or I/O > 40 MPH .............................................. O 20.81 22.20 25.16 35.52 42.55

Town Residence Occupied by Insured .............................. GL-72 D 9.00 10.00 11.00 12.00 14.00

Liability Loss Assessment Coverage Increased Limits – GMIL 4772

1,000 5,000 10,000 15,000 20,000 25,000 50,000

Liability Coverage ....................... Included 3.00 5.00 6.00 7.00 8.00 13.00

‡ Data entry instructions (GMRC staff only): Add letter code or other information, as indicated, so system will rate correctly.



BUSINESS ACTIVITIES – GMRC 1031 MOA


Classification 50,000 100,000 300,000 500,000 1,000,000

Antique Shop on premises ............................................................. $50.00 $56.00 $64.00 $70.00 $84.00

Appliance Repair ............................................................................ 50.00 56.00 64.00 70.00 84.00

Bait Shop on premises ................................................................... 50.00 56.00 64.00 70.00 84.00

Beauty or Barber Shop ................................................................... 50.00 56.00 64.00 70.00 84.00

Building(s) owned by insured and leased to 3rd party for commercial purposes (lessor’s risk only) ................................... 50.00 56.00 64.00 70.00 84.00

Cabinet/Handicraft Shop on premises ........................................... 50.00 56.00 64.00 70.00 84.00

Carpentry – odd jobs ...................................................................... 50.00 56.00 64.00 70.00 84.00

Custom Corn Shelling .................................................................... 50.00 56.00 64.00 70.00 84.00

Farm Product Salesman ................................................................ 50.00 56.00 64.00 70.00 84.00

Incidental Retail/Service N.O.C. ..................................................... 50.00 56.00 64.00 70.00 84.00

Landscaping – laying out nursery grounds, planting trees, flowers and lawns – excludes tree trimming,bulldozing, and excavations....................................................... 50.00 56.00 64.00 70.00 84.00

Limited Off-Premises – Power Appliances for Hire ........................ 13.00 14.00 15.00 17.00 21.00

Office / Studio ................................................................................. 30.00 34.00 38.00 42.00 54.00

Refreshment stands (not restaurants) – serving nonalcoholic beverages or food for consumptionon premises – includes product liability ..................................... 50.00 56.00 64.00 70.00 84.00

Sewing/Upholstery Shop ................................................................ 50.00 56.00 64.00 70.00 84.00

Shearing Sheep.............................................................................. 50.00 56.00 64.00 70.00 84.00

Taxidermy ....................................................................................... 50.00 56.00 64.00 70.00 84.00

Use of Tractor – commercial for snow removal, plowing gardens, – includes coverage for use ofattachments ............................................................................... 50.00 56.00 64.00 70.00 84.00

Use form number GMRC 1031 MOA. Coverage includes products liability and medical payments. Total receipts must be indicated on the application. They cannot exceed $40,000.

OPTIONAL DISCOUNTS

These discounts apply to the calculated farm liability premium.

Livestock Exclusion Endorsement (GMRC 2229 MOA) .................................................................................................................... 20%

* Farm Premises and Operations Limited Liability Endorsement (restricted to farm operations only) (GMA 2271)............................. 15%

Non-Occupied Landlord’s Liability Limitation for GL-2 (GMA 2233) .................................................................................................. 50%

Owner-Occupied Landlord’s Liability Endorsement for GL-2, or HO FORM with ML 29 & 311 (GMRC 2259 MOA) ........................ 35%

FARM PERSONAL LIABILITY (GL-2) MISSOURI PAGE CHECKLIST AAIS GMRC...

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