The endorsement provides protection for small-scale, incidental farming operations conducted on residential property. Often referred to as a Gentlemen’s or Hobby Farm, it includes coverage for farm property with optional selections for livestock, four-wheeled ATVs, and personal liability, provided certain criteria are met.
KEY FEATURES
- Expanded Property Coverage – Protects farm-related structures and equipment beyond the standard H03 policy.
- Liability Protection for Farming Activities – Covers bodily injury or property damage arising from mini-farm operations.
- Flexible Limits – Options to customize coverage based on your farm size and needs.
- Seamless Integration
UNDERWRITING REQUIREMENTS
- A separate application must be submitted along with color photos of all buildings for underwriting review and approval. Midterm submissions are acceptable.
ELIGIBLE EXPOSURES
- 50 acres or less
- Incidental farming operations not exceeding $10,000
- No more than a total of six head of cattle, horses, hogs, pigs, sheep, or other livestock
- No more than a total of fifteen chickens, roosters, or other poultry animals
INELIGIBLE EXPOSURES
- Any farm with either full or part-time farm employees
- Aquaculture farms
- Exotic animals
- Boarding of horses, horse training or riding for a fee
- Protection Class 10