Idaho Property and Casualty Practice Exam 2025 - Free Practice Questions and Study Guide

The Farm Liability Coverage Form is designed to offer specific coverages relevant to farm operations, focusing on common risks associated with agricultural activities. Among the types of coverage provided, property damage, bodily injury, and advertising injury are all included.

Property damage coverage protects against losses due to damage to someone else's property that occurs during the operation of the farm. Bodily injury coverage similarly safeguards against claims arising from physical injuries inflicted on a person as a result of farm activities. Advertising injury coverage is relevant for incidents that may arise from advertising and marketing activities related to the farm business.

Contractual liability, on the other hand, is not included in the standard Farm Liability Coverage Form. This type of liability arises when a party agrees to assume the liability of another party through a contract. While some farm operations might have contractual obligations that could expose them to such liabilities, this risk typically necessitates a separate coverage endorsement or a different insurance policy entirely. Thus, contractual liability does not form part of the core coverages under the Farm Liability Coverage Form.