How Responsibility (And Liability) Often Rests On

Those Least Able To Pay

Presented by:

Bradley W. Sullivan

1,000,000 tons

Farmer/grower liabilityFarmer/grower liability

ContributionContribution

IndemnityIndemnity

TracebackTraceback

Contract provisionContract provision

Hold Harmless and Indemnity Hold Harmless and Indemnity AgreementsAgreements

Change legal dutiesChange legal duties

Strict v. Negligence liabilityStrict v. Negligence liability

““Additional insured” can add Additional insured” can add parties/complicationsparties/complications

Hold Harmless and Indemnity Hold Harmless and Indemnity AgreementsAgreements

Can specify type and/or limits of coverageCan specify type and/or limits of coverage

Specify coverage limits beyond financial ability of Specify coverage limits beyond financial ability of farmfarm

False sense of securityFalse sense of security

Rationale is to go to source of contaminationRationale is to go to source of contamination

Raises question of what source may be if in Raises question of what source may be if in environmentenvironment

Mandatory Hold Harmless and Mandatory Hold Harmless and Indemnity AgreementsIndemnity Agreements

Farm’s responseFarm’s response

Restructuring to limit assetsRestructuring to limit assets

Changing cropsChanging crops

Options for FarmsOptions for Farms

Increasing limitsIncreasing limits

Ignoring requirementIgnoring requirement

Insurance Limits availableInsurance Limits available

ExclusionsExclusions

Inconsistency with GAPsInconsistency with GAPs

QUESTIONSQUESTIONS