Category - Agri-Post Articles

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 …

With harvest right around the corner, this is a great time to start thinking about your grain storage and drying systems to make sure they are ready for the excitement ahead! Part of the job of an insurance broker is to understand the different nuances and specialties of the various insurance companies that we represent. …

A common question we are receiving these days is whether a contagious virus (you may have heard of it) causing loss to business revenue is covered by the business interruption coverage on an insurance policy? Business Interruption coverage is set up to pay for ongoing expenses along with the optional loss of profits that can …

It’s hard to believe that in a few weeks we will have melting snow, ditches running with water, and longer days.  We can finally start thinking about summer – the time of the year where our frozen ground warms up long enough to produce some wonderful crops!  The time of year where hockey sticks are …

Why Buy Insurance? If you’ve asked yourself this question before, you are not alone.  If you’ve pressured your insurance broker, stating that you may be withdrawing your business and placing your premium dollars in a bank account to self-insure, you are not alone. If you have followed through with that and actually placed that money …

This fall has been a mix of extreme weather.  In the Red River Valley, we went from talking about drought to the potential for a fall flood in six weeks.  We have experienced a substantial snow storm, a power outage that effected many homes and businesses, and in between we have had some mild temperatures …

I recently had the pleasure of driving through a hailstorm.  I was in an early morning fog and it took a few minutes to realize I wasn’t being covered by gravel from the debris of Manitoba construction season, but by stones from the sky.  Fortunately, I have a dent resistant vehicle which seemed to enjoy …

One of the hot topics in the industry these days is the controversy surrounding glyphosates and their effect (or lack thereof) on our world. I am the first to admit that I am simply not educated enough to dive into that debate, so instead, let me put my energy into reminding us all of the …

Most of my articles focus on how you can transfer risk by purchasing insurance to transfer that risk to an insurance company. However, there are additional ways to control risk. One of these ways is called risk separation. In its basic form, it is a risk control method that involves separating key assets to prevent …

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 …