Lending a Hand During Harvest: What Farmers Need to Know About Insurance Protection
Farmers are known for their strong sense of community, stepping in to help one another during the busy harvest season. Whether it’s lending a tractor, offering manpower, or running grain carts, these acts of generosity are the backbone of rural communities. But before helping out, farmers should understand the insurance implications to ensure they’re protected. Here’s what selfless farmers need to keep in mind:
1. Understand Your Liability Exposure
When assisting another farm, you could face increased liability risks. If an accident occurs—damage to equipment, personal injuries, or crop loss—you might be held responsible.
Pro Tip: Review your liability coverage with your insurance advisor. Make sure it covers you when working on or assisting at another property.
2. Check Your Equipment Coverage
Lending equipment? Confirm your farm equipment insurance coverage. Many policies only cover damage on your property or during your own operations. Using machinery off-property may not be included.
Pro Tip: Speak with your insurance provider to clarify how your equipment is covered when lent out. You may need temporary coverage adjustments.
3. Review Auto and Transportation Coverage
Driving someone else’s truck or trailer—or having them use yours? Accidents happen, especially during the busy harvest season.
Pro Tip: Ensure your auto policy covers borrowed or loaned vehicles. Ask about “non-owned vehicle” coverage for additional protection.
4. Document Agreements and Responsibilities
Handshake agreements are common in farming but can lead to disputes. Documenting the arrangement can prevent misunderstandings and clarify responsibilities.
Pro Tip: Create a simple, written agreement outlining responsibilities, expectations, and financial arrangements to safeguard against issues.
5. Consider Umbrella Insurance for Extra Protection
Frequently helping others? Umbrella insurance provides extra liability coverage beyond standard policies and can be a financial lifesaver in costly situations.
Pro Tip: An umbrella policy is an affordable way to enhance your coverage. Consult with your insurance advisor to explore your options.
6. Keep Your Insurance Advisor in the Loop
Every farm and every season is different. Your insurance advisor can tailor your coverage to your specific needs and activities.
Pro Tip: Keep your advisor informed of changes in your operations, especially during harvest, for accurate and up-to-date coverage.
Helping Hands, Protected
Helping neighbors is a time-honored tradition in the farming community. With the right insurance adjustments, you can lend a hand with peace of mind, knowing you and your operation are protected.
Have questions about ensuring safety during the harvest season? Contact Andres O’Neil & Lowe Insurance Agency today for a personalized review of your coverage and stay protected while fostering the spirit of community.
