The Wyatt Dowling way

Cash Crop Insurance Protects Against the Weather

April 17, 2023

The weather can be unpredictable and cash crop farming can be vulnerable to it. You can help manage the risks that come from Mother Nature with crop insurance.

Cash crop insurance is farm insurance that covers your home, buildings, equipment, machinery, and liability. Most importantly, your crops will be covered.

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Why is cash crop insurance needed?

Insurance for cash crops is farm insurance for a range of operations like wheat, corn, beans, hay, oats, rye, fruit, ginseng, vegetables, and other crops. You rotate between specific crops and sell them at the best times, but you also need to manage weather-related risks, like too much rain or not enough.

Cash crop insurance is for you if your farm:

• Is your main source of income
• Is a family-owned or independent corporation or partnership
• Has been in business for three years or longer
• Has management and quality control practices
• Has modern machinery and facilities

What does cash crop insurance cover?

Cash crop insurance offers a wide range of coverage that can be tailored to your farm. It covers:

• Harvested crops and spoilage because of power interruption or breakdown
• Pollution liability
• Fleet coverage for tractors, trailers, and trailer trains
• Business, farm, and home liability
• Your property and home
• Breakdown of equipment and boilers
• Farm machinery and non-owned farm machinery
• Loss of use of farm machinery
• Legal fees if you are sued
• Vandalism and theft
• Fuel and fuel tanks
• Business interruption
• Personal and business car insurance
• Breakdown of computers in farm machinery