1, The Owners, Landlords, and Tenants (OL & T) form which may or may not in- 

 clude the Employers Liability-Farm Employees coverage, and 



2, The Farmer's Comprehensive Personal Liability (FCPL) form. 



An OL & T policy covers the farmer's legal liability to the public iwhile on 

 his premises. Coverage may be extended to cover liability to farm employees by 

 including Employers Liability-Farm Employees coverage, 



A Farmer s Comprehensive Personal Liability (FCPL) policy covers or may be 

 written to cover; 



* 



1, Protection to the farmer against suits brought by others for bodily injury 

 or property damage o 



2, Protection from suit by a cousuiaer who bought the farmer's product through 

 a second party-, 



3, Provides medical payments to injured persons without regard to whether the 

 farmer is legally liable* 



k» Provides protection against suit that results from injuries caused by 

 automobiles used on the farm that are not licensed for highway use, 



5. Provides coverage for liability involved in any written lease betvreen 

 tenant and landlord if acceptable to the company, 



6, May cover liability from custom work which a farmer does, 



7» May be written to provide protection against lawsuits by injured employees, 

 as well as medical benefit payments to them if not covered under State Workmen's 

 Compensation, 



8, May include medical payments to neighbors who do odd jobs on swap labor 

 basis. 



Rates depend on policy, coverage risk and in case of FCPL policy on size of 

 farm. 



No, 1 of a series 



L, D, Rhoades 



//////////////// 



MULCH FOR GRAPES 



The following are excerpts from Research Circular #28 published by the Ohio 

 Agricultural Experiment Station entitled "Mulch as a Management System for Grapes", 



