Prevented planting occurs when producers are unable to plant their insured crop by the final planting date specified in their insurance policy or during any applicable late planting period due to a covered cause of loss, such as adverse weather conditions like excessive rainfall or drought. In such cases, prevented planting payments are made to […]
Many homeowners experience the reality of a growing to-do list without the time or resources to get everything done. As issues pop up, we are faced with deciding whether to act right away or add the project to a list of things to fix later. Our decision on what can wait and what must be […]
If you own a small business, thunderstorms and other natural disasters can cause significant disruptions. If you lease or own a building, do you know who’s responsible for repairing the damage after a storm occurs? Knowing this ahead of time can ease the recovery process. The lease language can dictate whether the tenant or landlord […]
A Crop-Fire policy is a type of crop insurance policy that provides coverage for damage to crops caused by fire. Here are some of the characteristics of a Crop-Fire policy: It’s important to note that Crop-Fire policies may not provide coverage for all types of damage to crops, such as damage caused by weather events […]
Spring is the season of growth and renewal, an opportunity to rediscover and prioritize the best version of yourself. Self-care in the spring involves embracing the energy of the season and adopting habits that promote vitality and inner balance—practices that are key to maintaining robust physical, emotional and mental well-being. Self-care is about taking care […]
Commercial property insurance is an essential form of coverage for any organization. Such a policy can provide much-needed financial protection if an organization’s commercial building or its contents are damaged or destroyed by covered perils (e.g., fire, theft, vandalism, wind and lightning). Specifically, this coverage can help reimburse property repair or replacement expenses when these […]
A Production Hail Plan is a type of crop-hail insurance policy that provides coverage based on the actual yield or production of the insured crop, rather than the value of the crop. Here are some of the characteristics of a Production Hail Plan: It’s important to note that Production Hail Plans may not provide coverage […]
Warm spring days are a nice preview of what’s to come as we approach summer. However, spring weather is also very unpredictable. Temperatures fluctuate between warm and cool. A stretch of nice sunny days can be followed by wet stormy days. Lightning, wind, rain, and hail can cause damage to your property very quickly. Even […]
May is National Water Safety Month, a nation-wide awareness campaign to help keep children safe while swimming this summer. Swimmers can take the Safe Swimmer Pledge and adults and youth-serving organizations can find many different resources to increase their water safety awareness. This is also the time of year when organizations like YMCAs are typically opening […]
Carbon monoxide (CO), a colorless, tasteless and odorless poisonous gas, is a byproduct of the incomplete burning of carbon-containing material. This gas can quickly accumulate in areas where employees work, even if the space appears well-ventilated. Exposure to CO can cause serious health problems and even death. Considering these hazards, it is essential that businesses […]
