{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"Hogging the Blame for a Fire Loss","description":"Swine & Dine Farms underwent a devastating loss when a ventilation system shut off, resulting in the deaths of 2,400 hogs. Swine & Dine didn\u2019t own the hogs: they were contract growers raising the hogs for an \u201cintegrator,\u201d the contract owner of the animals who is not suing for the value of the lost hogs. What liability coverage is available for these folks?   Notable Timestamps [ 00:41 ] - A ventilation failure led to the suffocation of thousands of hogs raised by a Contract Grower. [ 04:47 ] - This scenario centers on farm commercial liability policies, not property coverage. [ 05:20 ] - Standard farm liability forms often exclude damage to property in the insured\u2019s care, custody, or control, with narrow exceptions that may not fit contract grower operations. [ 07:45 ] - Adjusters should obtain and closely review the grower\u2013integrator contract, as it may define ownership, responsibilities, and procedures that directly affect liability and coverage. [ 08:46 ] - Force majeure clauses can limit or eliminate liability when losses arise from events beyond a party\u2019s reasonable control, but their applicability depends on precise contract language. [ 11:08 ] - Coverage and defense issues may diverge, requiring careful coordination when contracts include provisions that could waive recovery even if coverage defenses exist. [ 12:51 ] - Brennan summarizes the key points above. Your PLRB Resources Recorded Webinar: Farm Bureau Town Hall Meeting - https:\/\/members.plrb.org\/education\/courses\/farm-bureau-town-hall-meeting CE Course: Specialized Equipment Losses - https:\/\/members.plrb.org\/education\/courses\/specialized-equipment-losses Listeners can email education@plrb.org for help navigating resources, requesting new content, or getting tailored curriculum support. Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https:\/\/www.plrb.org\/ask-plrb\/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at \u201cProperty and Liability Resource Bureau\u201d Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your \u201cadjuster story\u201d sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: \u201cPiece of Future\u201d by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0). ","author_name":"What's the Scenario? with PLRB","author_url":"https:\/\/www.plrb.org","html":"