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Does Your Operation Need An Insurance Update?


Make sure your insurance meets your operation's current needs.

Every year, the insurance policy on your farm or ranch expires and you have to renew. Before writing the check to continue your coverage, it's a good idea to make sure that the insurance you are paying for is what you actually need. With all of the changes that can take place on a farm within a year, renewal time is a great reminder to keep everyone up to date.

Planning ahead

Insurance is, in a way, a promise between two parties. In order for the agreement to work, there needs to be good communication on both sides. Your insurance company needs to be aware of any changes so that you are fully covered in the event of a loss. For instance, if you are a grain farmer and decide to operate a corn maze in the fall, your liability coverage - which is intended to provide protection for liabilities incurred from your business activities - might not extend to this new branch of your business.

Checking carefully

In addition to business activities, review commodity and building values annually. Commodity prices, in particular, have been so volatile that inventory is frequently found to be either over- or under-insured. Also, any updates to buildings could increase the buildings' values, which should be adjusted in your property policy.

Review your records for any major purchases and any sales of equipment. You don't want to be paying insurance for a tractor you sold months ago.

Share all major life changes with your insurance agent, such as marriage, divorce, a death in the immediate family or new income sources. These can alter your succession and estate-planning needs and may need to be adjusted to meet your changing wishes.

Overall, you should still remember to keep your insurance agent updated on changes throughout the year, but double-checking your coverage with your agent at renewal to make sure your business is appropriately represented can be well worth the effort. The worst time to discover you don't have enough insurance is when you have a claim.

Special Member Savings

At Southern States®, we are proud to be one of the nation's largest farmer-owned cooperatives. Southern States has partnered with Nationwide® Agribusiness Insurance to offer Southern States Cooperative member-producers in North Carolina and Virginia special discounts on insurance. In addition to giving you exclusive insurance savings, we’re also joining forces to support the cooperative that means so much to you.

Nationwide® Agribusiness is the number 1 insurer of farms in the U.S. and a leading insurer of commercial agribusiness. Go to southernstatesnwag.com to find a local agent.


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