As the sun stretches longer across the fields and the pace of planting and harvesting slows, summer offers farmers in Ohio and Indiana a valuable window to take stock—not just of crops and equipment, but of their insurance coverage. Reviewing farm insurance policies during this season isn’t just convenient; it’s strategic.
1. Summer Is the Off-Season for Many Farming Activities
With planting behind and harvest still ahead, summer provides a natural pause in the agricultural calendar. This downtime allows farmers to focus on administrative tasks like insurance reviews without the pressure of immediate fieldwork. This is the ideal time to assess whether your policy reflects current operations, equipment, and structures
2. Operational Changes Need Timely Coverage Updates
Farms evolve constantly. Whether it’s adding new crops, expanding acreage, or investing in advanced machinery, these changes can leave gaps in coverage if not reflected in your policy.
3. Weather Risks Are Increasing
Ohio and Indiana have seen a rise in extreme weather events, from floods to tornadoes. According to the Ohio Farm Bureau, the state’s climate is becoming warmer and wetter, with more frequent heavy rain events and longer growing seasons
Reviewing your policy in summer allows you to prepare for fall and winter risks, ensuring your farm is protected against unpredictable conditions.
4. Financial and Liability Considerations
Summer is a good time to revisit financial changes—new loans, partnerships, or expansions—that may affect your coverage needs.
5. Loss History and Risk Mitigation
Summer is the perfect time to reflect on the past season’s claims and losses. Use this insight to adjust your coverage and implement strategies that reduce future risks. This proactive approach can help prevent repeat issues and strengthen your farm’s resilience
Farm insurance isn’t just a safety net—it’s a strategic tool. By using the summer months to review your policy with your agent, you ensure that your coverage is current, comprehensive, and cost-effective. Whether you’re in Ohio or Indiana, this seasonal check-in can make all the difference when the unexpected strikes.