The deductible is the amount an individual must pay out of their pocket before Insurance will share thecost. The coinsurance is a percentage of total charges that YOU and the insurance company pay forcovered services after the deductible is met. The out of pocket maximum (OOPM) is anything spent outon your own pocket (not premium) […]
The farm equipment industry has faced significant pressure in recent years. Supply chain disruptions and inventory shortages due to the pandemic have led to soaring prices for used equipment. Inflationary pressures on raw materials like steel and petroleum products have also caused increased prices for new equipment and replacement parts. Farmers and industry professionals need […]
There’s never a convenient time to learn your car battery is dead. Putting your key in the ignition or pushing the button and hearing nothing can cause an uncomfortable feeling. Extreme hot and cold temperatures both impact a battery’s performance. In cold weather, its capacity to hold a charge is reduced, which can make it […]
The past few years have affected professionals in various ways, including how much they engage in their jobs. Engagement among adult employees in the United States has been declining; only 32% of employees were engaged in 2022, a drop from 36% two years prior. Around 18% of employees are also actively disengaged in their organizations. This causes […]
Livestock Risk Protection (LRP) is a type of insurance plan designed to help livestock producers manage price risk. Producers can purchase coverage that will pay out if the market price of their livestock drops below a certain level. This can help offset losses caused by price declines and provide financial stability for operations. This policy […]
For my friends and family, camping is a favorite pastime during the summer months. Every weekend brings a new adventure at a different campground. While camping is relaxing and enjoyable, one must take precautions against tick bites. Tick-borne disease, such as Lyme disease, has become common in the United States. While reported cases of Lyme […]
No matter where your travels take you, renting a vacation home is a nice option to consider. Having a home with multiple bedrooms and bathrooms, a kitchen to prepare meals, and amenities your current home doesn’t have makes for an unforgettable time and lasting memories. No matter where your travels take you, renting a vacation […]
Farming is a complex and dynamic industry that faces a multitude of risks. From unpredictable weather patterns to market fluctuations, farmers must navigate various hazards that can impact their operations and livelihoods. To effectively manage these risks, it is crucial to have a solid understanding of key risk management terms and concepts. Let’s explore some […]
Purchasing a home is likely the biggest investment you’ll make. And caring for it is extremely important. An essential part of your home is your roof. As a homeowner, it’s likely you don’t think about it often. However, a roof in good condition: Unfortunately, as a roof ages, it can experience a variety of problems […]
Construction projects are picking up again after the winter months and many contractors are looking for new employees in a tight job market. More projects and less experienced workers can be a recipe for disaster if workers aren’t trained properly. A major hazard in construction are trenches, and trench collapses can be deadly. In 2022, […]
