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AAIS says the program, available for use by any insurer, includes three base forms (two umbrella and one excess), and nearly 140 multistate endorsements for tailoring excess and/or umbrella coverage for the needs of a particular risk.
The three base forms include Farm Commercial Umbrella Liability Coverage, Agribusiness Commercial Umbrella Liability Coverage, and Agricultural Commercial Excess Liability Coverage.
The AAIS says that, among many other things, the AgXL's two umbrella base forms give an insurer the option of providing coverage for personal liability exposures, an important feature of agricultural liability insurance.
According to the AAIS, the umbrella forms are written and structured to be used with corresponding forms provided under AAIS Agricultural General Liability Program (AgGL), but they also can be used with any underlying auto, employer's liability, recreational vehicle, watercraft or, with some modification, general liability policy. The third base form—the excess form—can be used to provide an excess layer of coverage over any underlying auto, employer's liability, recreational vehicle, watercraft or general liability policy, says the AAIS.
As with the AgGL forms, AAIS says the AgXL base forms include numerous standard exclusions (war, nuclear hazard, etc.) as well as several exclusions specific to agricultural operations, with the latter including exclusions for damages arising from certain livestock diseases, chromated copper arsenate (a substance used to treat lumber) and violations of the Migrant and Seasonal Worker Protection Act http://www.dol.gov/compliance/laws/comp-msawpa.htm.
Aditionally, AAIS says the nearly 140 optional endorsements provided with the program can be used to extend, limit or exclude coverage for designated premises, operations, activities or other exposures.
