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Are you protected from the devastation of Hail and Fire to your crop? With Private Crop Hail Insurance you get Hail and Fire coverage and both losses are paid on a “spot loss” basis. Crop Hail insurance provides immediate cash flow relief. Hail insurance is the smallest per acre input cost. Can you afford to …

Your life is an asset, just like a car, a home, or a business. When you lose it, you may want to be compensated for its value. You do not have to trade in other assets. The mortality rate in this country has not changed. It remains at 100%. The question remains, what is the length …

Many people believe that incorporation creates some kind of legal veil leaving limited liability behind. This is not the case. Directors and Officers of a corporation are responsible for their actions, the actions of the corporation and in some instances the actions of other directors. The courts have assessed damages against directors of corporations for …

There has been a dramatic rise in both the number of claims and settlement amounts for third party liability claims over the last number of years. This increase in claims is affecting all business owners. You have responsibilities as an owner or occupier of your premises. An occupier is anyone with physical control of the …

Today’s volumes of pesticides, fuel and manure combined with the ever-increasing environment regulations and sensitivity to these issues makes this an important consideration. A hazardous materials cleanup crew, the long tail of environmental monitoring and environmental fines can really add up. Legal Liability coverage is readily available for little to no extra cost for sudden …

Insurance companies take vacancy of buildings very seriously. The experiences with vacant buildings historically have not been good so the rules in this situation are quite stringent. We are talking about properties such as a house, barn or office building. We are not talking about an empty machine shed or grain bin. These are typically …

You have your farm machinery insured and you decide to do some custom work for others. Did you know that the farm policy is for farmers to do their own farm work and not for farmers to do farm work for others. There are very clear lines drawn between personal, farm and commercial business. All …

If for example you hire a custom applicator and they cause damage to your property you will expect them to have insurance coverage. It is good to know the damage can be fixed without hurting the individual custom applicator financially. It is also peace of mind to know that there are financial resources backing him …

As business owners you must always be working hard to protect yourselves. One aspect of this is your risk management practices.  The risk management philosophy of your company will determine the amount of risk the company holds in house vs. the amount that you transfer to an insurance company.  The key to successful risk management …

Insurance companies take vacancy of buildings very seriously. The experiences with vacant buildings historically have not been good so the rules in this situation are quite stringent. We are talking about properties such as a house, barn or office building. We are not talking about an empty machine shed or grain bin. These are typically …