Planting season is a race against the clock. To win, you need more than just good weather; you need a plan that covers your assets when things go sideways. Here are the three areas every farmer should double-check before hitting the field:

1. Farm Equipment: Protecting Your "Iron"

A breakdown in the middle of a 48-hour planting window is a nightmare.

• The Risk: Mechanical failure or a fire in the field.
• The Action: Run an extensive inspection on your equipment prior to hitting the field, and ensure every cab is equipped with a fire extinguisher.
• Your Farm Policy: Make sure your Scheduled Property list is current, and Unscheduled Property is insured with appropriate limits. If you traded in a planter or added a new GPS display and haven't told your agent, it might not be covered for its full value. 

    Review your Equipment Breakdown Coverage to know what's included. RMIC typically excludes tractors and other mobile machinery but covers stationary equipment like grain handling systems and irrigation pumps. Check your policy so you’re clear on what’s protected and what isn’t.

2. The Weather: Physical Damage and Property Loss

It is crucial to safeguard the structures and tools essential for a successful planting season.

• The Risk: A spring storm destroys a machine shed or a lightning strike fries your grain handling electronics.
• The Action: Inspect roof integrity on outbuildings and test your surge protection for shop computers and tech.
• Your Farm Policy: Make sure your coverage limits for outbuildings and shop tools are sufficient to protect your assets in the event of damage or loss. For newer buildings, you may want to consider replacement cost coverage to better safeguard your investment. Regularly review your policy limits to ensure they align with current construction and equipment values, so your operation remains resilient if unexpected events occur.

3. Road Safety: Moving Wide Loads

The drive between fields is often the most dangerous part of your day.

• The Risk: Collisions with distracted drivers on public roads.
• The Action: Ensure all Slow Moving Vehicle (SMV) signs are bright and clean. Use escort vehicles for your widest equipment. Take the necessary precautions when operating farm equipment on the road.
• Your Farm Policy: Check your Farm Liability limits. As equipment gets larger and more expensive, the potential cost of an accident on the road increases. Make sure your policy reflects today's costs, not those from ten years ago. 

The best way to safeguard your operation and assets is by partnering with a local independent insurance agent. By working with a local agent, you ensure your policies are up-to-date and tailored to protect you against mechanical breakdowns, property loss, and accidents, giving you the confidence and security to thrive through every season. Rely on a trusted local agent to help you review, update, and optimize your coverage for lasting resilience and peace of mind.