• •Farm Commercial Umbrella Liability Coverage, designed to cover liability above underlying limits for farming operations and other operations specifically insured in underlying policies.
• Agribusiness Commercial Umbrella Liability Coverage, designed to cover liability above underlying limits arising from all of an insured's operations, subject to exclusions.
• Agricultural Commercial Excess Liability Coverage, which provides essentially "follow form" coverage above underlying limits, generally incorporating the terms of the underlying policies.

The umbrella forms are designed to be used with corresponding forms provided under AAIS Agricultural General Liability Program (AgGL), but they can also be used with any underlying auto, employer's liability, recreational vehicle, watercraft, or, with some modification, general liability policy.

The AgXL's two umbrella base forms give an insurer the option of providing or not providing coverage for personal liability exposures, an important feature of agricultural liability insurance.

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.

As with the AgGL forms, the AAIS AgXL base forms include standard exclusions (war, nuclear hazard, etc.) as well as exclusions specific to agricultural operations. The latter include exclusions for damages arising from certain livestock diseases, chromated copper arsenate (CCA, a substance used to treat lumber) and violations of the Migrant and Seasonal Worker Protection Act.

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.

• The Farm Commercial Liability Form limits coverage to farming and certain related operations, but allows coverage for additional exposures to be added by endorsement or dec page entry.
• The Agribusiness Commercial General Liability Form functions like a traditional CGL policy in that it provides coverage for all operations of an insured except those explicitly excluded.

Personal liability coverage: Available by endorsement to both base forms.

Chemical drift coverage: "Farm Chemical Limited Liability" coverage built into both base forms.

"Agritainment":

• The Farm Commercial Liability Form excludes coverage for educational and recreational activities undertaken for compensation, but coverage can be added by identifying such activities on the declarations.
• There is no restriction of coverage for such activities under the Agribusiness Commercial General Liability Form, but coverage can be excluded by endorsement.

Custom farming:

• Specifically defined and insured under the Farm Commercial Liability Form, provided receipts from such operations do not exceed an established annual threshold.
• Covered unless explicitly excluded under the Agribusiness Commercial General Liability Form.

Exclusions:
Extensive and up-to-date, including exclusions that address liability from certain logging or lumbering operations, the Migrant and Seasonal Agricultural Worker Protection Act, and animal diseases.

Program manual:
Contains more than 300 agricultural classifications organized into 21 categories. For most classes, the rating information supplants traditional acreage-based rating with sales-based rating information that is more sensitive to inflation and better reflects the growing percentage of agricultural revenue from sources other than commodity sales.

AgOP users can also choose between blanket or scheduled coverage, or combine the two by granting blanket coverage with exceptions for certain scheduled locations, structures, equipment, stock, or other personal property.

The program also includes an income coverage option written to apply only to specified farm activities identified on a schedule and to avoid open-ended exposure for the diverse activities that can take place on farms.

While the language in the Farm Inland Marine forms addresses both family farms and commercial farming ventures, the policy provisions are patterned primarily after those used in commercial lines.