News

Spring Update

Spring has arrived and I know you are getting the itch to plant. Make sure you pay attention to the RMA earliest planting dates. Any crop planted BEFORE the planting date is ineligible for replant coverage.

Corn 4/5/2020

Soybean: The soybean date has moved up in southern counties. Here are the early plant dates by county:

Soybeans - Earliest Plant Date 4/15/2020|
Indiana: Dearborn, Decatur, Franklin, Hancock, Rush, Shelby, Union
Ohio: Butler, Hamilton, Preble

Soybeans- Earliest Plant Date 4/20/2020
Indiana: Blackford, Delaware, Henry, Madison, Randolph, Wayne
Ohio: Darke, Montgomery

The current virus situation is making everyone change their normal business operations. You can reach us by phone at (800) 209-7238 or call Anya on her cell at (765) 914-4462 for assistance.

Crop reporting . . . Once you get your crops planted, please call us first to report your planted acres and planting dates to finalize your crop coverage. The crop information you give us should transmit to FSA so that when you report to the Farm Service Agency your crop insured acres and dates should match what is reported. If you think you have a loss. It is your responsibility to contact your crop insurance agent immediately after discovering a loss or potential loss on your crops.

If you think you have a loss:

Prevented planting: You are required to call your agent within 72 hours to file a prevented planting claim within the late plant period or by the final planting date; June 5th for corn and June 20th for soybeans for crops that are prevented from being planted due to an insurable cause. NOTE: In order to receive Prevented Planting benefits, the loss must be general to the area. In other words, other producers must have been prevented from planting also. Your loss alone in a county WILL NOT qualify for a payment provided the majority of farmers in the area get their crops planted.

For crops that need replanted: A notice of loss for replant must be filed within 72 hours of the initial discovery of damage or loss. All replant acreage is replanted to the initial crop. Please note that switching from one crop to another is not replanting and should be submitted as a harvest loss. Before you replant or destroy the crop, call your agent first to make sure you stay in compliance. A crop insurance adjuster must give approval BEFORE you replant or destroy the existing stand to receive loss benefits.

Once a notice of loss is filed, an adjuster will contact you to schedule an appointment to inspect the crop and review other pertinent information necessary to review your claim. REMINDER: You must notify and obtain consent from an adjuster BEFORE and AFTER the following actions:

  • Destroying any of the insured crop that is not to be harvested;
  • Putting the insured crop or acreage to an alternative use; or
  • Abandoning any portion of the insured crop

Wishing you a safe and enjoyable spring planting! Please don’t hesitate to contact our office with any questions about your policy.

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Spring Farm Safety for 2020

Spring of 2019 brought never-before seen planting conditions for our generation. With a similar weather pattern predicted for spring 2020, the window to get crops in the field may be short again this season. With shorter windows brings a sense of hurriedness, stress, and fatigue.  These may all lead to an increased potential of incidents and injuries during planting. 

In the 10 year span from 2009 to 2018, there were 116 farm fatalities in Ohio. Sixty-nine of these were the result of tractors, equipment, or other equipment (Farm Fatality and Injury Database of Ohio, OSU Extension Ag Safety and Health Program.) 

What practices can be done to reduce the risk of injury this time of year?  Below is a list of reminders to keep in mind during this busy season.

  1. Be completely acquainted with the equipment you are operating.  Read the manual and be comfortable with its operation.  Ensure others operating your equipment are competent as well.
  2. Make sure all safety guards, shields, and access doors are in place.  If one is removed for service, put it back again when complete.  If you purchased a used piece of equipment, do a check to make sure all safety devices are present.
  3. Never service or repair a piece of equipment while it is running.  Make sure no one else around has the opportunity to start the equipment while you are working on it.
  4. When using ladders, place them as close as possible to the equipment, so that you don’t over-extend your reach. Do not use the top 3 rungs of an extension ladder - or the top surface of a step ladder – to climb higher.
  5. Keep the access stairs and operator’s platforms clear of tools and other items while performing maintenance on tractors and machinery. Slips and falls are common injuries while working in the shop as you mount and dismount the equipment. And refrain from jumping off equipment.
  6. Keep your shop and working areas free of clutter and debris. An organized shop is also a safer shop.
  7. Keep all children, pets, and others away from equipment while in operation or moving in barn yard and NO extra riders.
  8. Ensure all lights and reflective material are in working order and in good condition before operating tractors and equipment on public roadways.  Be attentive and defensive.  Use an escort vehicle and move equipment at off peak motor vehicle traffic times if possible.
  9. Most importantly, take care of yourself!  Don’t get in a hurry.  Stay hydrated and take breaks.

Taking a little extra time to practice good safety habits has more than just short term rewards.  If a serious injury occurs, then the discussion is “who will get the crops in the ground?”  Spring 2020 has already been very unique with the arrival of COVID-19.  Having to go to the Emergency Department or Urgent Care exposing yourself to this additional risk is not something anyone wants at this time.

Authors - Wayne Dellinger and Dee Jepsen, C.O.R.N. Newsletter is a summary of crop observations, related information, and appropriate recommendations for Ohio crop producers and industry. C.O.R.N. Newsletter is produced by the Ohio State University Extension Agronomy Team, state specialists at The Ohio State University and the Ohio Agricultural Research and Development Center (OARDC). C.O.R.N. Newsletter questions are directed to Extension and OARDC state specialists and associates at Ohio State.

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Precision Ag

We now have the capability to use precision farming data for your crop insurance records. Please contact our office if you are interested in this ability.
 

Smart Phone Apps

We live in a world where you want information at the tip of your fingers immediately.  We now have smart phone applications for many of our insurers that provide you with the most current information regarding your crop insurance policy. Contact our office for more information.

Please don’t hesitate to contact our office at 800-209-7238 with any questions about your policy.

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How Your Revenue Policy Works

As market prices decline, there is a growing need to understand how your crop insurance revenue policy works.

Revenue policies guarantee a certain level of revenue rather than just production. It protects from a decline in crop prices or yield.  Your crop coverage guarantee is based on the futures market and your yield history. Both are used to compute your revenue coverage and guarantee. The monthly average of the crop futures price for the month of February determines the spring crop price. A harvest price is determined in November using the new crop futures price during the month of October. The final revenue guarantee is computed by multiplying the higher of (projected price or harvest price x yield x your coverage level.) If your actual revenue falls below the revenue guarantee, you’ll receive a crop insurance indemnity equal to the difference. 

Please keep good production records. Given current price levels, it’s important to submit your production information to us as soon as you are done harvesting so we can determine if you qualify for an indemnity payment.

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Livestock Mortality Insurance is now Available at Bath Insurance Group!

BIG is also a livestock mortality insurance agency offering additional coverage for all aspects of livestock whether production or the show ring. It's no secret that livestock farming is a risky business. That is why a solid and affordable livestock policy is essential to protect your investment from those unexpected events and accidents that can devastate your animals and your livelihood.

Livestock insurance is individualized to fit your farming operation and cover your specialized livestock, whether you have cattle, pigs, sheep, goats, horses or any combination on your farm.

Insure your animals. For more information on rates and policies, contact us today.

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