Farm & Harvest Insurance Tips

Don’t let unexpected claims harvest your profits.

For farmers, September is one of the busiest months of the year. It’s harvest season in many states, and long days in the field mean long lists of to-dos. From running heavy equipment to bringing in seasonal workers, the risks are high — and one accident or loss can cut into your profits.

Here are a few farm and harvest insurance tips to keep your operation protected this fall:

Protecting Your Equipment

·         Your tractors, combines, and other machinery are the backbone of your harvest. If a breakdown, fire, or accident happens, equipment coverage ensures you’re not left footing the full bill.

·         Review your policy to make sure all your machinery is listed and up-to-date.

·         Check that rented or borrowed equipment is included — some policies require add-ons.

·         Don’t forget about transportation — trailers, grain trucks, and service vehicles also need the right coverage.

Crop Coverage Matters

·         Weather events, pests, or unexpected disasters can wipe out a harvest. Crop insurance helps protect your income when Mother Nature doesn’t cooperate.

·         Federal crop insurance programs can safeguard against yield or revenue losses.

·         Specialty policies may be available for unique crops or high-value produce.

·         Consider whether your policy covers replanting costs if damage happens early in the season.

Liability Around Seasonal Workers

·         Bringing in extra help during harvest is common, but it comes with liability.

·         Workers’ compensation (where required) protects both you and your employees.

·         Liability coverage steps in if someone is injured on your property.

·         Make sure temporary or seasonal workers are included in your policy.

Harvest Safety = Fewer Claims

·         Insurance is the backstop, but prevention is your first line of defense. A few quick checks can reduce risk:

·         Train all workers on safe equipment operation.

·         Keep fire extinguishers accessible in barns and vehicles.

·         Ensure lighting and signage are clear for long evening shifts.

Harvest Recap

Your farm is your livelihood, and protecting it means thinking beyond the fields. A quick insurance review now can prevent claims from harvesting your profits later. With the right coverage in place — for equipment, crops, and workers — you can focus on what matters most: a safe and successful harvest season.