Insurance Tips for Harvest Season
Harvest is here. We’ve spotted a few combines in the corn and even more in shops, undergoing final pre-field maintenance.
Farm customers, please add insurance to your harvest checklist. In the weeks ahead, you will likely use more equipment than any other time of the year. The number of farm implements sharing the road will increase dramatically. Combines and grain carts are too big of investments to leave insurance to chance.
How we can help:
- Let Fortify Group know of any equipment you lease or buy for harvest. It’s crucial to have proper coverage in place. For a minimal cost, you can also add coverage for equipment you lease or buy unexpectedly.
- Report crop insurance claims during harvest. Federal Crop Insurance rules require claims to be reported within 72 hours of discovering the damage. If you notice damage while harvesting, don’t wait until harvest is complete to report it! Your claim could be denied. Just let us know of the damage - we will submit the information and then work the claim after harvest. It’s the reporting that comes with a crucial timeframe.
- Talk with us to learn the advantages of scheduling combines (and other big ticket items) on your farm policy, rather than lumping it with blanket coverage. Equipment that is scheduled is covered for more perils (like ingesting those fence posts that come out of nowhere) than equipment that is on a blanket!
- The vast use of Dicamba-based herbicides has put chemical drift liability claims in the spotlight. Both Farmers Mutual and Nationwide farm policies offer endorsements for chemical drift and pollution liability. Talk to us to find the best coverage for your operation.
Good farm insurance involves a complex mix of risk protections, from loss of business income to workers compensation. We can review your policies and options at any time. So bring us your questions. (It makes us feel better about memorizing all those rules and numbers)
*Please BE SAFE out there and take your time! The urgency people feel during harvest is what causes most accidents. Here’s a great Nationwide article on harvest safety: https://www.nationwide.com/pre-harvest-safety.jsp