Farm Insurance Review! Do…

While reviewing some insurance matters with a very diversified farm client (he grows apples, grain crops and processing vegetables) he turned to me and said “Remember last week when the weather forecast included thunderstorms, high winds and possible hail?  Well in the past I would lie awake all night with
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No Fault; what does…

There is a coverage on your New York State personal Auto insurance called “Personal Injury Protection”, abbreviated P.I P, also known as “No Fault” coverage.           New York State is known as a “No Fault” state.  What that does NOT mean is when we are in a car accident that
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Equipment Breakdown Protection

When is it Excluded? When is it Covered? The Random House College Dictionary defines the word Insurance: The act, system, or business of insuring property, life, etc. against loss or harm in consideration of a payment proportionate to the risk involved.Coverage by contract in which one party agrees to indemnify
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The Importance of Federal…

In 2018 American farmers purchased 1.1 million separate crop insurance policies investing over 3.6 billion dollars in premiums providing production coverage on over 130 crops.Federal Crop Insurance covers over 90 percent of all planted crops in America.Since 2000 American farmers have invested over 54 million dollars of their own hard-earned
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Are you covered if…

On Wednesday, April 18th, 1906 at 5:12am the famous San Francisco earthquake hit. Over the next three days eighty percent of the city was destroyed and over three thousand people lost their lives. Believe it or not, it was not the shaking earth that caused a majority of the property
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Grain Bin Safety week…

Every year farmers, their family members and employees are injured or killed in grain bin entrapments. Grain owners store grain to hedge market price fluctuations as well as to keep their harvest on schedule. Pristine grain management is the key to preventing the need to enter a grain bin.  In
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How Do Deductibles Work?

How Do Deductibles Work? Deductible: that is the amount of money you pay first on any covered property loss before the insurance company pays a claim. You do not have to use the same deductible amount across all property sections of your farmowner’s insurance policy. You could have a smaller
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The Foundation of your…

The Foundation of your Insurance Program A good starting point and foundation for building an insurance program for our farms and families is to understand your farmowners policy. Generally the farmowners policy has four parts, or four sections of coverage protection. A section for our homes, personal property, and other
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What Stinks?

Animal waste, farm pesticides, herbicides and farm fertilizers are a vital practice in many farm operations to sustain their businesses. The need for pollution liability insurance is evident for farms whose business involves the application, transport and storage necessary for farm operations. Many pollution liability policies built in your Farmowner
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The Cold, wet, wet…

Flooding can happen anywhere at any time. If you take a moment and think about all the bazaar weather storms that have happened in the areas of the United States in the past few years you will agree that what was once considered “ NOT possible for a severe, devastating
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