Which of the following would be covered under farm liability coverage forms?

Farm liability coverage forms are designed to provide protection against various liabilities arising from farming operations. One of the key aspects of this coverage is that it generally includes bodily injury claims made by certain third parties, but with specific exclusions for certain categories of individuals.

The correct answer relates to bodily injury to a residence employee, which is typically covered under farm liability coverage. Residence employees are persons who are employed to perform duties on the farm residence, and their injuries would fall under this type of coverage, acknowledging the unique risks associated with living on a farm property.

Bodily injury to an employed farmhand generally would not be covered under standard farm liability coverage because employees, including farmhands, are typically covered under workers' compensation insurance. This insurance is designed to address workplace injuries and diseases, rather than providing liability coverage. Similarly, obligations under workers' compensation law pertain to the legal responsibilities of the employer to provide for injured workers and do not fall under the liability coverage. Bodily injury to an insured person also would not be covered, as liability coverage is intended to protect against claims made by others, not by insured individuals themselves.

In summary, the reason bodily injury to a residence employee is covered under farm liability coverage is that it acknowledges the special considerations and risks involved