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Premises and operations liability encompasses liability arising out of conditions in and around the insured’s premises as well as its current and off-premises farming operations. 

Products and completed operations liability refers to just that—liability arising out of the insured’s products or its completed work. 

Contractual Liability is liability imposed upon a party that hires independent contractors to perform work on its behalf.

“Insured” Definition of the Farm Liability Coverage Form

Insured means you, and if you are an individual,

insured also means the following members of your household

  • your relatives;

  • any other person under the age of 21 who is in your care or the care of a member of your household who is your relative; or

  • a student enrolled in college full time, as defined by the school, provided the student is under the age of

    - 24 and your relative or

    - 24 and in your care or the care of   a member of your household who   is your relative.

Insured means you, and if you are a partnership or joint venture,

insured also means your members, your partners, and their spouses, but only with respect to “farming” operations.

Insured means you, and if you are a limited liability company (LLC),

insured also means

  • your members, but only with respect to your “farming” operations, and

  • your managers, but only with respect to their duties as your managers.

Insured means you, and if you are an organization other than a partnership, joint venture, or LLC (i.e., corporation, association, etc.),

insured also means

  • your executive officers and directors, but only with respect to their duties as your officers and directors, and

  • your stockholders, but only with respect to their liability as stockholders.

“In what situations can a farmer or rancher be held legally responsible for incidents that happen on the farm premises or from products raised on the farm and later sold?”

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