Everything you need to know about insurance basics, like coverage types, limits, cost and more.
Is Your Farm Disaster-Ready?
You’re a farmer. And that means you work hard from sunup to sundown, every single day. And sometimes what a single day has in store for you can come without warning.
Disasters can happen anywhere, at any time. Tornados and floods, fires and material spills — the unpredicted can cause unbelievable damage. That’s why it’s so important to always be ready. Developing a farm disaster kit is a smart place to start. With the right supplies and a solid plan, combined with your grit and resilience, you can weather any storm.
Here’s What to Consider Including in Your Kit
Water. Stocking water reserves should be a top priority. You’ll need plenty for your household and your barnyard. And you’ll want adequate amounts for sanitary purposes. Store your water in thoroughly washed plastic, fiberglass or enamel-lined metal containers, and keep in a cool, dark place.
First-aid. You should always have first-aid kits ready and available on the farm, but in the event of an unplanned disaster, first-aid becomes even more important. Include items like bandages and gauze pads, antibiotic ointment, cleansing agents, scissors and tweezers.
Animal inventory. Keep an up-to-date list of all your animals, including their location, records of feeding, vaccinations and tests. And make sure you have proof of ownership. Use plastic neckbands or permanent markers to label animals with your name, address and phone.
Animal-handling equipment. If a disaster moves through the area, you’re going to need to move your livestock. Halters, cages, and the appropriate tools will help make it easier to get your animals to a safer location.
Tools. It’s smart to have a set of tools set aside, in an easy-to-access spot, for emergency use. Include a shut-off wrench, pliers, shovel, and an all-purpose knife. Don’t forget a portable, battery-powered radio, a flashlight, and extra batteries. The right tools can make a stressful situation much more manageable.
Documents and contacts. Important documents, including personal identification, insurance information and banking info, should be ready to go on short notice. And always keep an emergency contact list updated and easy to get to. Building a farm disaster kit is also a great time to think about your insurance coverage. During a Personal Insurance Review , your agent can help you identify any gaps in your coverage and explain potential impacts.
Get in touch with your agent today to make sure everything you’ve worked so hard for, is fully protected.
Related Topics: Farm Safety