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Designed to Meet the Special Needs of Farmers

Summary: AAIS, the American Association of Insurance Services, has developed two farm umbrella policies, a personal umbrella liability coverage form and a commercial umbrella liability coverage form. This treatment looks at the commercial farm umbrella liability policy, UM 0610. It highlights the differences between the personal and commercial forms; that is, only the different clauses and phrases will be reprinted here.

Topics covered:Introduction Definitions Principal coverageDefense coverageExclusions Insured’s dutiesInsurer’s limit of liabilityExcess insuranceConditions Nuclear exclusion

Introduction

The AAIS farm umbrella program is designed to be used with the AAIS farmowners program, and includes the following:

1. Personal umbrella liability coverage form (farm), UM 0002. This form adds umbrella coverage over an AAIS personal (farm) liability form (GL-2).

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