As August rolls in, many anticipate hearing the hum of combines in the distance and smelling that first crisp hint of fall in the air. Around Northwest Ohio and Northeast Indiana, farmers are preparing for one of the busiest—and most important—times of the year: harvest season.
From fine-tuning equipment to checking grain bins and prepping fields, there’s no shortage of tasks to tackle before the equipment gets rolling. In the rush to get ready, remember to ask yourself this critical question:
If something unexpected happens this harvest, will my farm be protected?
Why Harvest Season Brings Higher Risks
We know that harvest is go-time—and when the pressure’s on, the risks go up.
With long hours, heavy machinery, and unpredictable weather, the risk of accidents and losses increases. A single equipment breakdown, grain bin incident, or storm could set your farm back significantly if you don’t have the right coverage in place.
Common harvest risks:
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Equipment damage or breakdowns – Combines, tractors, and other machinery work overtime during harvest and are costly to repair or replace.
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Property damage – From barns to grain storage, your structures face more wear and tear during harvest while also being subject to unpredictable weather.
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Liability concerns – With extra people—family, employees, visitors—on your property during harvest, the risk for injury increases.
One incident can undo a season’s worth of effort. That’s why now, before the fields are ready, is the perfect time to make sure you’re covered.
Protection That’s as Hardworking as You Are
At Andres O’Neil & Lowe, we understand that every farm has its own rhythm, challenges, and goals. We’re not here to hand you a cookie-cutter policy—we’ll walk your operation with you, ask the right questions, and make sure your coverage matches the way you run your farm.
Our farm insurance options can include:
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Machinery & Equipment – Keep the combines, tractors, trucks, and other essential harvest tools rolling.
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Farm Property & Buildings – Safeguard barns, silos, grain bins, storage facilities, and more.
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Liability Protection – Coverage for injuries or accidents on your property.
Local Roots, Strong Support
We’re proud to serve farmers in Bryan, Archbold, Hicksville, Wauseon, Defiance, and beyond. Our team doesn’t just know insurance—we know our communities, the challenges you face, and the importance of keeping your operation running smoothly.
Let’s Get You Ready for Harvest
The first truckload will be hauled from the field before you know it. Don’t wait until there’s a problem to find out you’re not covered.
Call, connect online, or stop by one of our offices today and let’s make sure your farm is ready for anything this harvest season. You’ve worked too hard to leave things to chance.
Andres O’Neil & Lowe: Protecting farms, families, and futures—season after season.
