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PROPERTY/CASUALTY: Are You Protected? By Tim Lewis and Amber Weber, AgQuest P & C Specialists

After years in risk management, I can tell you there are two events that will cause you to think most about insurance. The first is when the premium is due. The second is when you file a claim. When you suffer a loss, you may well wonder, “Am I covered?” That’s when you dig out your insurance policy and try to read the fine print. All too often, the outcome of a claim hinges on the coverage or denial of coverage in this fine print. It can literally come down to the definition of a single word. Most of us rely on our insurance agent to understand the policy well enough to tell us whether or not we are covered. There is usually only one thing missing in this

insured-agent relationship: communication. Without an open dialogue between you and your agent, insurance can easily become a commodity and your agent an order-taker. When our AgQuest Insurance Team meets with you, we stress the importance of communication. A free exchange of information allows us to dig deep into each policy and make sure the coverage aligns with any changes in your farming operation. It is equally important that you understand (in plain language) what

is and is not covered and what that means for your farm. We make sure that happens. Don’t let fine print catch you off guard, especially when it comes to insurance. Contact UFC’s AgQuest Insurance Team: Amber Weber at 320523-5824, Tim Lewis at 612-756-2903, Vince Sloot at 507-995-9029 or Dawn Wickenhauser at 507-647-6606 ext. 6749. You may email us at aweber@agquest.net, tlewis@agquest.net, vsloot@agquest.net and dwickenhauser@agquest.net, or visit us at www.agquest.net. ●

A LOT GOES INTO OUR SEED BEFORE IT EVEN GOES IN THE GROUND. CROPLAN® alfalfa experts can help you produce a highyielding forage while optimizing your yield potential. We offer conventional and trait-specific alfalfa varieties that can help make your operation stronger and help manage field variability. We put more thinking into your seed so you can get the most out of it and make every acre greater. Learn more at croplan.com/alfalfa

For the 2016 growing season, this product is available for planting in a limited geography and growers must direct any product produced from HarvXtra Alfalfa with Roundup Ready Technology seed or crops (including hay and hay products) only to US domestic use. It is a violation of national and international law to move material containing biotech traits across boundaries into nations where import is not permitted. Growers should talk to their product purchaser to confirm their buying position for this product. ALWAYS READ AND FOLLOW PESTICIDE LABEL DIRECTIONS. Roundup Ready® crops contain genes that confer tolerance to glyphosate. Glyphosate agricultural herbicides will kill crops that are not tolerant to glyphosate. Roundup®, and Roundup Ready® are registered trademarks of Monsanto Technology LLC. HarvXtra™ is a trademark of Forage Genetics International, LLC. HarvXtraTM Alfalfa with Roundup Ready® Technology is enabled with Technology from The Samuel Roberts Noble Foundation, Inc. Due to factors outside of Forage Genetics International’s (FGI’s) control, such as weather, crop production patterns, and other factors, results to be obtained, including but not limited to yields or financial performance, cannot be predicted or guaranteed by FGI. Results are based upon FGI controlled tests and field trials and public trials. Actual results may vary CROPLAN and WinField are registered trademarks of Winfield Solutions, LLC. © 2016 Winfield Solutions, LLC

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2017 UFC Fieldviews - Issue 09 Spring  

Fieldviews is a publication of United Farmers Cooperative located in Southern Minnesota.

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