Why this distinction matters for farm accounts Farm auto and farm-related exposures combine personal and commercial elements: pickups, tractors with road use, feed deliveries, seasonal hires, and hired/non-owned exposures. Those…
The Truth About Carrier Appetites and What Farmers Need to Know Farmers depend on insurance to keep operations running after a loss. But the carriers that write farm risks have…
Why this assignment mattered We were engaged by a client who runs what is widely described as the largest dairy operation in New England. Square footage, herd size, and vertically…
The one game-changing tip If you could give a farm owner one single, high-impact action to protect the operation’s future, make insurance part of a written continuity plan, not an…
First response: triage and client contact When a storm, flood, wildfire, or tornado hits a farm client, the first 24, 72 hours set the tone for the claim. As an…
Why revisit your farm insurance now? Farming is a series of changes: you may add new buildings, buy or sell equipment, change crops, bring on seasonal workers, or expand direct-to-consumer…
How COVID-19 changed farm operations The pandemic accelerated shifts that were already underway in agriculture and introduced new pressures. Farms that had long relied on steady input supplies, migrant labor,…
Shifting Fields: How agriculture trends change risk profiles Farming has changed faster in the past decade than many of the producers we serve realized. Equipment is more connected, operations are…
Why customization matters on farms Farms are a mix of home, business, vehicle fleet, heavy equipment, and, often, high-value livestock or specialty crops. For an independent agent, that complexity means…
Introduction Many farmers think they understand their insurance, but a few common misconceptions keep showing up in applications and renewals. Those gaps can leave an operation underinsured, paying more than…