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Category - Agri-Post Articles

15
Mar

Understanding Why Global Volatility Affects My Rates

The basis behind insurance is that the premiums of many pay for the losses of a few.  This is true whether you are buying travel insurance, cyber liability insurance, or protection for your 1980 John Deere Tractor that refuses to retire. As an independent insurance broker, we represent many different insurance companies who offer a …

8
Jan

The Benefits of Loss Prevention

With the costs of insurance claims rising, we are starting to see insurers working to reduce their claims costs.  There are a variety of ways that this is done; working to maximize efficiency with clean up and rebuilding costs in claims. One common sense way to reduce the expense of insurance claims is prevention.  Several …

23
Nov

Insuring Your Marketing Losses

Have you ever been burned by forward marketing your grain?  You’ve heard the stories – you work harder than ever only to get to the end of harvest and discover that there aren’t enough bushels in your bin to fill your contract?  Or the quality doesn’t match what you were contracted to provide?  Or did …

18
Oct

Unique Protection For Your Farm

I am amazed at the amount of risk farmers are accustomed to dealing with each and every year.  I am also amazed that farmers can sleep at night knowing that their crop may not be the same when they awake the next morning.  Some farms are very careful at maximizing all insurance options available to …

20
Sep

Insuring Your Construction Project

One of the most overlooked details of construction projects is the insurance coverage.  With all of the details involved, it is easy to overlook the important step of insuring your new building.  This summer, I had the privilege of watching the progress of a new building under construction each day while I drove to and …

28
Aug

Insuring the Roof Over Your Head

The basic concept of insurance is to put someone back to the place they were before the loss.  From insuring your phone from “water damage” after you drop it in the toilet to insuring a cigar for fire insurance, there are lots of options available. Due to the frequency of hail and wind damage claims …

17
Jul

Rental Protection For Your Harvest Machinery

With the excitement of harvest building up around Manitoba, this is a good time to make sure you are properly prepared.  Your first action might be to make sure you have long playlists of country music available along with a cab filled with energy drinks and western novels for the short periods of downtime throughout …

19
Jun

The Benefits of Dual Valuation

Before becoming an insurance broker, I spent three wonderful years working for a farm in southern Manitoba.  I grew up loving the farm life but had no experience until I was given the opportunity to work on a farm.  Day two on the job, I was handed the keys to the tractor and told to …

16
May

Like a Kid in a Candy Store

What is the role of an insurance broker? I started my career in the insurance industry working for a direct writer insurance company.  While there were some advantages to that model, I also developed the ability to let my clients down gently.  “As much as I’d like to help you, I don’t have an option …

19
Apr

Who Has Your Back?

What is the role of an insurance broker? Does it seem like technology should have replaced the insurance broker a decade ago?  What value do I have as a farm or business owner in using a broker versus finding coverage directly from an insurer?  I will never forget my conversation with the owner of a …