Tag: nationwide

Summer farm safety tips for kids and teens

Summer farm safety tips for kids and teens

The following information is provided by Nationwide®, the #1 farm and ranch insurer in the U.S.*

The end of the school year and beginning of summer break is an exciting time for farm kids. It’s also the start of what should be a time of heightened safety awareness among parents and other adults on the farm as young people help out around the farm.

That’s especially important today — as a challenging farm labor situation may have many farmers enlisting teenagers and even younger family members to work on the farm. Given the increased likelihood of injury or fatality from common farm work among young people, safety should be the top priority whenever youth put on their work gloves.

Farm safety starts with a simple conversation
Preventing conditions that favor injury or worse when youth are working on the farm starts with a simple conversation. When it becomes a regular topic of conversation, safety becomes part of the culture of your farm.

“My son is right there with his dad every step of the way when it comes to taking care of the pigs,” said farmer and Nationwide Risk Management Manager Emily Atwood. “When he sees his dad do something, he thinks that’s something he can do too – but that’s not always the case.”

Atwood knows there are countless farm hazards and considers frequent safety conversations the foundation of smart, attentive behavior in her son, especially when she’s unable to directly supervise him.

“We talk to him regularly about being safe and making good decisions and making sure either mom and dad knows where he’s at and what he’s doing at all times,” Atwood said. “We just want to build that awareness in him, so he thinks twice before he makes a dangerous decision, especially when we’re not there with him.”

Steps to promote a safe working environment
There are steps Atwood and other farmers can take to promote a safe working environment, both before and while youth are helping out on the farm.

•Designate areas where they can and can’t go. Safe areas should be separated from potential hazards like machinery and confined spaces like manure pits. Consider fencing off or locking particularly hazardous areas, like chemical or fuel storage.
•Inspect your farm regularly. Things change on a daily basis on the farm, especially during the busy summer months. Take time to check for any changes in potential hazards as frequently as possible.
•Assign young workers appropriate jobs. Make sure young workers can do their work safely. Train them on any work they’re doing, reminding them often of the necessary safety precautions.
•Store equipment and machinery safely. Remove keys from machinery like tractors, and make sure all hydraulic components are lowered.
•Demonstrate safe habits. Don’t introduce youth to potential hazards like riding along unsecured in machinery, using farm shop tools alone and entering confined spaces.

Visit AgInsightCenter.com for resources and expert tips on trending topics to help you run a successful business and maintain the safety of your operation.

[1] *A.M. Best Market Share Report 2022.

Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual
Insurance Company. © 2023 Nationwide

pires well after
baling. That continued respiration in the presence of oxygen after it’s baled creates conditions that can
cause bales to spontaneously combust. Wet hay that continues to respire can generate heat and
eventually spontaneously combust.

After hay is baled and stored at higher moisture levels, the fire risk from spontaneous combustion is
greatest in the first two to six weeks. And that risk continues if hay bales are stored where moisture can
linger, like a barn with a leaky roof or highhumidity area.

Hay placed in storage should have a moisture content under 25%, according to a report from the
Pennsylvania State University Agriculture and Biological Engineering Department. Higher levels of
moisture require an oxygen limiting storage system. The heat generated by the crop plus the presence
of oxygen increases the risk of a fi

How to prevent ransomware attacks on your farm

How to prevent ransomware attacks on your farm

The following information is provided by Nationwide®, the #1 farm and ranch insurer in the U.S.*

Farms are growing in size and sophistication. At the same time, ag markets and supply chains are relying more and more on digital systems that can be vulnerable to cyberattacks. Ransomware is one type of attack that can prove particularly costly but there are ways you can help prevent ransomware attacks.

“Any industry that relies on a complicated supply chain or timefocused requirements to get products to consumers are going to be in the crosshairs for these criminal groups,” says Nationwide Senior Vice President and Chief Information Security Officer, Todd Lukens. “When a farm or company is growing fast, computer security programs can’t keep up. In many ways, ag businesses are perfect targets.”

Ransomware is a type of cyberattack when someone illegally gains access to your computer systems or files, then locks them down until you pay a ransom to restore access. Recovery can take a lot of time and money. Business interruption, recovery, restoring systems and paying the ransom itself are all potential ransomware costs to a farm or agribusiness.

“These attacks have ramifications that last from days to weeks to months. Ransomware gives criminals the potential to make millions in a short amount of time,” adds Lukens. “Farms and agribusinesses are growing targets for these criminals.”

Ways to prevent ransomware attacks on your farm or ag business
The best way to avoid an attack and its financial hit is to practice what Lukens calls “good cyber hygiene.” Keeping computer software uptodate and ensuring you have security protocols in place on every device can help. Lukens also recommends:

  • Educating your team on all types of cyberattacks
  • Making sure no one can access computer systems or files on the internet
  • Utilizing a virtual private network (VPN) or secure connection for any internetconnected computer or server
  • Requiring multifactor authentication for all employees
  • Creating a backup plan so files and other data are available if you are hit by ransomware or another type of cyberattack

     

Insurance coverage and protection
There are cyber liability coverages and services to help protect you and your farm or agribusiness from loss from a ransomware or other cyberattack. That protection extends well beyond the attack itself.

“Cyberattack policies and endorsements may include coverage for liabilities associated with a data breach like ransom negotiation and payment,” said Lukens. “Policies can include business interruption loss while systems are down during an attack.”

Lukens recommends educating your farm or agribusiness workforce about cyberattacks like ransomware and how to best protect yourself. This can also help you identify the right coverage options.

“If you live in an area prone to severe storms, would you go without property insurance?” Lukens said. “The more we rely on computer systems to conduct our business, the more impactful they are when they go down. So, we have to protect them.”

Visit AgInsightCenter.com for resources and expert tips on trending topics to help you run a successful
business and maintain the safety of your operation.

[1] *A.M. Best Market Share Report 2022.

Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company.
© 2023 Nationwide

 

pires well after
baling. That continued respiration in the presence of oxygen after it’s baled creates conditions that can
cause bales to spontaneously combust. Wet hay that continues to respire can generate heat and
eventually spontaneously combust.

After hay is baled and stored at higher moisture levels, the fire risk from spontaneous combustion is
greatest in the first two to six weeks. And that risk continues if hay bales are stored where moisture can
linger, like a barn with a leaky roof or highhumidity area.

Hay placed in storage should have a moisture content under 25%, according to a report from the
Pennsylvania State University Agriculture and Biological Engineering Department. Higher levels of
moisture require an oxygen limiting storage system. The heat generated by the crop plus the presence
of oxygen increases the risk of a fi

Get the most out of raising backyard chickens with these tips


Get the most out of raising backyard chickens with these tips

The following information is provided by Nationwide®, the #1 farm and ranch insurer in the U.S.*

Move over cats and dogs; small chicken flocks are rapidly taking over urban, suburban and rural backyards around the country. Raising backyard chickens is becoming more popular for multiple reasons, including as a way to save a few dollars on your family’s grocery bill and provide fun family learning opportunities.

But raising backyard chickens for egg or meat production is more than just a hobby. Every breed has its strengths and weaknesses. Housing, sanitation and protection from predators are all important to consider in how you build your flock. And make sure you’re managing the risks and liabilities raising chickens can create especially if you’re selling to neighbors.

“Spend time educating yourself about all facets of the species,” according to Nationwide Agribusiness Sales Development Specialist Mekenze Cortum. “Don’t forget to consider safety as well as the educational opportunities for kids and teens in learning to care for the animals.”

What to think about when adding a backyard chicken flock If you’re considering raising chickens in a small flock as a hobby or way to diversify existing smallscale ag production, here are the things you should think about.

  1. Check local ordinances/regulations. Many cities and towns regulate backyard flocks. Check with local officials to see if there are any limitations. For example, some cities may limit the total number allowed, or allow unlimited laying hens but not permit roosters.
  2. Find the right breeds. There’s a variety of chicken breeds with a range of traits. Rhode Island red and Ameraucana chickens, for example, are hardy, do well in small flocks and have easy dispositions. Orpington birds are better suited to cool or cold climates.
  3. Keep your birds housed. Native predators and severe weather can endanger a backyard chicken flock. Provide the right housing to minimize these risks. With many options, make sure the coop design you choose provides three to five square feet of space for each bird.
  4. Limit your flock’s exposure to other birds. Like other birds, chickens are susceptible to transmissible diseases like Avian Influenza and coccidiosis. The less you expose your chickens to other native birds, the lower the chances they’ll contract one of a few common diseases.
  5. Keep it clean. Good sanitation and safehandling practices are musts for any backyard flock. This minimizes the risk of disease infection as well as any foodborne illness like salmonella that can be passed to humans when consuming infected eggs or meat.
  6. Be careful with electrical and fire safety. Laying hens need regular light and consistent warmth
    to produce eggs at their full potential. That means many chicken coops include heaters and lights. Keep heat lamps free of debris and inspect them and other electrical components often to prevent fire risk.

Make sure you’re covered

Raising backyard chickens can be a rewarding experience, whether in rural, suburban or urban setting.
Make sure you’re covered so small risks don’t become big ones, whether through a homeowner’s or
farm insurance policy.
 
“It’s important for folks to consult with their insurance agent regarding potential liability concerns and coverage considerations for raising backyard chickens,” Cortum said.


Visit AgInsightCenter.com for more resources and expert tips on trending topics to help you run a successful business and maintain the safety of your operation.

*A.M. Best Market Share Report 2021.

Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. © 2022 NationwideWhen harvested at a higher moisture level, a forage crop sometimes stays damp and res

pires well after
baling. That continued respiration in the presence of oxygen after it’s baled creates conditions that can
cause bales to spontaneously combust. Wet hay that continues to respire can generate heat and
eventually spontaneously combust.

After hay is baled and stored at higher moisture levels, the fire risk from spontaneous combustion is
greatest in the first two to six weeks. And that risk continues if hay bales are stored where moisture can
linger, like a barn with a leaky roof or highhumidity area.

Hay placed in storage should have a moisture content under 25%, according to a report from the
Pennsylvania State University Agriculture and Biological Engineering Department. Higher levels of
moisture require an oxygen limiting storage system. The heat generated by the crop plus the presence
of oxygen increases the risk of a fi

Prevent hay bale fires with year-round vigilance and action


Prevent hay bale fires with year-round vigilance and action

The following information is provided by Nationwide®, the #1 farm and ranch insurer in the U.S.*

Hundreds of barn fires happen every year in the U.S. And in many of them, hay bales are the fuel source for what’s almost always a major property loss that also can endanger livestock and farm workers.

Hay bale fires can happen from the day the bales are made until they’re used, regardless of the forage type or quality. In most cases, wet hay is actually more likely to catch fire or spontaneously combust than dry hay. Hay fires are a unique, costly hazard that calls for yearround attention, according to Nationwide Risk Management Consultant, agronomist and Iowa farmer Derek Hommer.

“Hay bale fires are just one type that contributes to fire being the leading cause of farm claims and losses,” Hommer said. “That’s why it’s so important pay close attention to nearby heat sources, hay moisture and bale quality. They all contribute to how hay catches fires and potential spontaneous combustion.”

Why does wet hay catch on fire?
When harvested at a higher moisture level, a forage crop sometimes stays damp and respires well after baling. That continued respiration in the presence of oxygen after its baled creates conditions that can cause bales to spontaneously combust. Wet hay that continues to respire can generate heat and eventually spontaneously combust.

After hay is baled and stored at higher moisture levels, the fire risk from spontaneous combustion is greatest in the first two to six weeks. And that risk continues if hay bales are stored where moisture can linger, like a barn with a leaky roof or highhumidity area.

Hay placed in storage should have a moisture content under 25%, according to a report from the Pennsylvania State University Agriculture and Biological Engineering Department. Higher levels of moisture require an oxygen limiting storage system. The heat generated by the crop plus the presence of oxygen increases the risk of a fire.

Key times to think about hay bale fire prevention
Hommer recommends the following best practices throughout the growing season to minimize hay bale fire risk, especially from spontaneous combustion once bales are stored:

  • Harvesting. Harvest forage within the optimal moisture range and allow adequate drying
    time in the field before baling.
  • Conditioning. Mower conditioners, tedders and rakes can speed hay drying but can also
    harm leaf retention and crop quality.
  • Baling. Bale hay up to 20% moisture to reduce the potential for hay bales spontaneously
    combusting or spoiling.
  • Storing. Since moisture contributes to bale heating and fires, store hay under a roof to keep
    it as dry as possible. Hay probes and sensors like in the HAYTECH platform helps monitor
    temperatures in stored hay that can help prevent hay fires or spontaneously combusting
    bales.
 

Visit AgInsightCenter.com for more resources and expert tips on trending topics to help you run a successful business and maintain the safety of your operation.

*A.M. Best Market Share Report 2021.

Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. © 2022 NationwideWhen harvested at a higher moisture level, a forage crop sometimes stays damp and res

pires well after
baling. That continued respiration in the presence of oxygen after it’s baled creates conditions that can
cause bales to spontaneously combust. Wet hay that continues to respire can generate heat and
eventually spontaneously combust.

After hay is baled and stored at higher moisture levels, the fire risk from spontaneous combustion is
greatest in the first two to six weeks. And that risk continues if hay bales are stored where moisture can
linger, like a barn with a leaky roof or highhumidity area.

Hay placed in storage should have a moisture content under 25%, according to a report from the
Pennsylvania State University Agriculture and Biological Engineering Department. Higher levels of
moisture require an oxygen limiting storage system. The heat generated by the crop plus the presence
of oxygen increases the risk of a fire.

Let’s talk about land


Let's talk about land
Because the future of your farmland matters most

The following information is provided by Nationwide®, the #1 farm and ranch insurer in the U.S.*

The farmland market is redhot. Though such a bullish marketplace is a boon for landowners, it also changes the game for tenants who depend on rented land for a large share of their crop revenue. High prices make it even more important to make sure everyone involved has the right insurance coverage in place.

Complicating the equation for lessees is the recent rise in absentee farmland ownership. According to a USDA report**, around 40% of the land farmed in the U.S. is rented. Of that share, around 31% is owned by an absentee or nonoperator, a number that continues to rise, especially as active farmers retire and sell land.

The combination of these trends creates yearoveryear operational and managerial challenges for leasing farmers and their landowners. One of those is ensuring both parties are adequately managing the risk of a land lease for which the two parties may be thousands of miles apart.

Sharing insurance responsibilities
In most cases when a farmer rents land from an absentee landowner, risk management responsibilities are split between the two parties. Each lease should spell out who is responsible for different operational and management responsibilities. And what is fair is not always equal.

For example, if adding improvements like tile drainage can boost the longterm productivity of a field, installation costs should be shared based on the equity it creates. If a lessee anticipates only renting the land for one year, he or she should not bear as much cost as the landowner, who will likely see greater value in the form of higher rents over time as a result of the improvement.

But if such improvements are part of a multiyear leasing strategy in which the lessee will remain in the picture, he or she will likely pay a larger share of the cost. In general, the duration of a lease often is a major contributor to how land improvement costs are spread between the landowner and renter.

Think about how land is used
There are several factors that influence how farmland is insured. First, it’s important to consider the basics of the property and its intended purpose. Some land is obviously for cropping. But grassland or pasture land may have multiple uses. All of a piece of land’s intended
uses should be accounted for in both the written lease as well as the chosen insurance coverage.

Coverage options also vary widely based on lease land’s use. A basic homeowners policy rarely covers all of the operational risk of leased farmland. Sometimes endorsements cover those specific risks, but in other cases, altogether different policies specifically designed for farmland are the best solutions.

Especially with an absentee leases, it’s always a good idea to have regular meetings during which the lessee can update the landowner on all activities on the leased land and how they impact things like lease price and optimal insurance coverage options.

Talk with your insurance agent
No matter how you’re involved with farming whether you’re currently farming or new to owning or renting farmland it’s important to talk with your local Nationwide Farm Certified agent. Nationwide is the only farm insurance company that trains and certifies its agents. When you see that an agent is Nationwide On Your Side Farm Certified, you can be confident you’ve found a trusted, knowledgeable advisor.

Visit AgInsightCenter.com/farmlandownership to download our free Farmland Ownership Protection Guide and to learn what we know about farmland.

*A.M. Best Market Share Report 2021.
Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. © 2022 Nationwide

Preserving agriculture’s past, securing its future this National Ag Day

Preserving agriculture’s past, securing its future this National Ag Day

The following information is provided by Nationwide®, the #1 farm and ranch insurer in the U.S.

Agriculture is more than just a business for us at Nationwide. From our company’s roots to our many associates who today actively manage farms and ranches, it’s at the heart of everything we do. So as we celebrate National Ag Day this year, it’s more than just a single day of annual reflection. The day, all of its activities and the spotlight it shines on agriculture is a high point in our everyday commitment to preserving the heritage of agriculture and securing its future.

That’s especially true in 2023. This year marks the 50th anniversary of National Ag Day, organized by the Agriculture Council of America. This year’s theme is “Growing a Climate for Tomorrow,” an idea that’s close to everything we do at Nationwide. As we pause to recognize the hardworking men and women of American agriculture for all they do this National Ag Day, we’re also looking ahead and doubling down on our commitment to protect your next.

With nearly a century of protecting America’s rural community, Nationwide is as committed as ever to paving the way for farmers and ranchers to succeed today and tomorrow. Today, that means providing everything from highvalue information on new tools and technology, such as telematics and HAYTECH, to insurance products and services that evolve with farmers and ranchers’ changing needs. Just like the 2023 National Ag Day theme, we work every day to grow a climate for tomorrow. As we celebrate the 50th anniversary milestone for National Ag Day, we’re focusing on how to adapt and evolve to ensure our customers have what they need, when they need it.

“Nationwide has a deep heritage in agriculture. We were founded by farmers, and it’s part of our heritage,” said Nationwide Agribusiness President Brad Liggett. “This year’s National Ag Day theme aligns closely with our unending respect and support for agriculture. But it’s also fundamental to our commitment to ensuring we’re evolving alongside our customers so we’re always there when, where and how they need us.”

Why National Ag Day is so important to Nationwide

Nationwide’s deep agricultural history cannot be overstated. But for many associates at Nationwide, National Ag Day is personal. Associates like Senior Consultant Erin Cumings also manage farms or ranches along with their work at Nationwide. That makes National Ag Day, its long heritage of raising awareness about farming and ranching, and especially the 2023 theme vitally important to both work
and family life for Cumings and the many associates like her. And it exemplifies just how important agriculture is to us at Nationwide.

National Ag Day is a day when we can shine a light on agriculture in general,” said Cumings, who alongside her husband operates a farm in central Iowa. “I love being able to bring my whole self and all of my experience and expertise to Nationwide every day.”

Visit AgInsightCenter.com for important resources and expert tips on trending topics to help you run a successful business and maintain the safety of their operations. While there, we encourage you to sign up to receive our bimonthly email newsletter.

[1] *A.M. Best Market Share Report 2021.

Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. © 2023 Nationwide

The Leavitts of Wilson Dowell Farms, Double J Stables, Diversify through Quality Forage

Nationwide Helps Protect this Conservation-Minded Family

When Jason Leavitt went to college, at the behest of his farming grandfather, he didn’t know at the time the lure that farming and returning to the farm would hold. Leavitt and his mother, Judy, not only continued the family’s farming legacy in Owings, Maryland, but have expanded on it. Along the way, Nationwide and agent Carrie Polk have been on their side to help this farm family that’s trying to leave the land better than they found it, all while providing quality products and (fun) services to customers.

Wilson Dowell Farms is a fourth-generation, 320-acre family farm in Calvert County. They raise pasture-raised meats and grass-fed beef, and practice rotational grazing. The Leavitts sell meat shares direct to consumers, with some cuts available for walk-in at the farm. Today, Leavitt and his wife, Kristen, manage the farm, while Judy oversees day-to-day operations and manages Double J Stables, a horse boarding operation, which is also located at Wilson Dowell Farms. 

“Ever since I was a kid, I wanted to work on the farm,” said Leavitt. “I enjoyed helping my grandfather cut tobacco, grind corn, feed cattle, move hay bales, fix fences, plow fields … it was more a series of fun activities than work. My grandfather always kind of tried to dissuade us and told us that we needed to go to school and learn something so that we would not have to “work” for a living. I don’t think that he meant work, per se, but maybe to avoid manual labor jobs.”

So that is exactly what he did. “It’s somewhat of a typical story, I think, when growing up we all wanted to get out and see the world,” said Leavitt. “Once I got out in the real world, it served to confirm how special the life was that we had growing up. After college, I decided to move back home, try to figure out a way to keep the farm viable, and, honestly, I was looking forward to the challenges that modern-day agricultural production presents.”

An Honor to Carry on the Family Legacy
The farm is named after Leavitt’s grandfather, Wilson Dowell, Jr. It began like most Southern Maryland farms: as a tobacco farm. While tobacco was the cash crop, Dowell always kept cattle on the farm. When the time came to transition out of tobacco, the foundation for a pasture-based livestock operation was already in place. Now the farm sells beef, pork, and goat.

Leavitt complemented his mother’s enterprise of horse stabling on their family’s land, by managing more production agriculture with a focus on beef production and high-quality forage.

“My great-grandfather bought the land for the farm where I now live in 1939,” he said. “He was a bit of a handyman and would buy fixer-uppers, get the farm in shape and then sell it for profit and move to the next farm. Eventually my great-grandmother had enough of moving and laid down the law to stay put. As the oldest son in a family of eight children, my grandfather took over the farming operation as his father aged. He raised primarily tobacco, small grains, and always had cattle. The cows were fenced in the woods and in fields that were too steep to cultivate.”

Leavitt continues, “When my grandfather passed in 1996, my mother assumed the family farming mantle. While I was still in college, she began a horse boarding business in addition to the cattle/hay operation and rented out our fields to a local farmer for his small grains operation. After college, I wasn’t exactly sure what I wanted to be when I grew up, and after a couple of years decided to move back to the farm. Initially, I thought that boarding horses was going to be the sole answer in creating a sustainable farm business on our property. It was soon readily apparent that while boarding horses provides a decent supplementary income, it is not feasible or sustainable in its own right as the principal operation for us. We had to diversify, so we created both Double J Stables, LLC, and Wilson Dowell Farms, LLC, in 2010.”

Top Production Priorities on Wilson Dowell Farms
Leavitt said the most important aspect of their farm and its entities is growing premium, quality forage. Not only do the grasses provide feed for the horses and, more importantly, for their grass-fed beef, but they also protect the soil.

“Currently, pastured forage is the only crop which is grown on the farm. There are approximately 160 acres of pasture on our farm, consisting of native forages, endophyte-free tall fescue, orchard grass, and warm-season annuals to supplement the summer grazing program,” Leavitt said. “Our focus is generating organic matter to increase the quality of our soil profile, mainly using rotational grazing of our cattle.”

Leavitt, also a project engineer in the Calvert County public works Capital Projects Division, put on his engineer hat to grow the farm sustainably. “I was intrigued by the successes and farming practices used by Joel Salatin on Polyface Farms in Swope, Virginia,” he said. “I immediately bought all of his books and was fascinated by the concept of rotational grazing. We currently utilize a modified version of his farming model and I believe that so far it has been successful.”

The boarding component of the Leavitts’ business is geared mainly toward trail riding. They offer full care stall/field boarding for their equine clients, have over 11 miles of trails on the property, and have an outdoor grass ring and round pen for their patrons’ use.

Rounding out the Leavitts’ top three farming priorities is the beef (and other meat) production and sales.

“This vocation provides the freedom to cultivate a source of food that I helped to create in any way that I choose,” said Leavitt. “I believe that people should have access to high-quality local food that is produced in a way that aligns with their personal beliefs. Whether that production method includes GMO/non-GMO, organic, non-organic, or grassfed/grainfed, I feel that it is our duty as farmers to provide the highest quality options to the residents of our nation, state, county, and local communities regardless of the specific production details.”

Leavitt’s twin brother, Justin, and his aunt and uncle (who all also live on the farm) are very helpful in working cows, putting up fence and whatever needs to be done. His dad mows the majority of the non-pasture grass and helps to keep the farm looking clean. “It truly is a family affair,” he adds.

No Farm is an Island: Nationwide Helps with Protection, Growth

Helping Wilson Dowell Farms to continue to be as productive as possible during times of adversity is their Nationwide farm policy and agent Carrie Polk of Carrie Polk Insurance, based in Prince Frederick, Maryland.

“Besides two other weather-related claims we had to Nationwide that were handled wonderfully for us, my mother was involved in an accident while trailering some horses. The Readers’ Digest version is that a Porsche driver passed mom’s truck and trailer while lanes were condensing, so the driver clipped mom’s truck, spun out and slammed into the guardrail. The driver was not happy with the settlement amount, a calculated loss offered by Nationwide, and decides to sue Mom, the farm, and even entities that do not exist in an attempt to recover millions of dollars in damages. In a jury trial, the Nationwide-appointed attorney wins the case, mom is found not guilty, and the driver recovers nothing. In a way, I am glad that the driver was being greedy and did not accept the settlement offer – since my mom was not at fault. I can imagine that it was a nerve-wracking experience going through depositions and anxiously awaiting trial, not to mention the stress of testimony. Both Carrie and Nationwide’s attorneys were unbelievably helpful and supportive of my mom through this process.”

“There’s a reason why you work 10-hour days and 60 hours a week in this business at times,” said Polk. “My farm families really are like family. Some of my best appointments are at the kitchen table, seeing what’s important to each family, what keeps them up at night. It’s not just about protection, either; it’s about insuring the growth. I ask, here’s where you are today; where do you want to go?”

“Nationwide is not the cheapest insurance company in the business,” said Leavitt. “However, sometimes in life, you get what you pay for. The peace of mind provided by knowing how Nationwide has taken care of us in the past and will be there for us in the future, to me, is absolutely worth every penny. Mom and I meet with Carrie at least once annually to review our coverages, discuss equipment inventory, and assess our farm operations. I don’t believe that there is a better agent (or person for that matter!) in the insurance business for us.”

“Everyone is concerned about price, but price means different things to different people,” said Polk. “I have to carry professional liability and I have a responsibility. I try to build a policy up and then take things off, so someone doesn’t inadvertently forget to add something. I try to take costs off while not compromising coverage. A farm is not a typical home coverage situation. There are extra things to consider, like cargo coverage for hauling livestock. You pay now, or you pay later — I say this all the time: Mother Nature is going to win.”

“Farming to me is an honest living, meaning that you have the ultimate responsibility of performing a myriad of necessary tasks in a timely manner to attempt to ensure a quality product,” said Leavitt. Echoing what Polk said, “Mother Nature is not always a reliable business partner! In this vocation, devotion is required, and shortcuts are not an option. I feel that you must be consistent or you will not find the path to a sustainable product. We have been with Nationwide since 2010 and plan to stay with them, one of the many tools in our toolbox to help us ensure our end quality products.”

Please visit www.wilsondowellfarms.com for how to order meat, and to learn more.

Benefits and risks of adding agritourism to your farm or ranch

Benefits and risks of adding agritourism to your farm or ranch

The following information is provided by Nationwide®, the #1 farm and ranch insurer in the U.S.*

Agritourism is a great way to capitalize on the natural draw of your landscape, connect non-farm families to agriculture and create new revenue streams for your operation. But these benefits are not without risk.

Finding the right agritourism for operation
Adding a new agritourism venture to your operation starts by answering a simple question: What will work best? Consider the following:

  • Your land, what you raise and any other resources that could contribute to a new attraction
  • The time and money you can invest in an agritourism venture
  • Potential hazards to visitors, the liability they create for you and how you’ll mitigate the risks and keep people safe

Agritourism examples to consider

  • Pumpkin patches and corn mazes. Fairly common around the country, they’re popular but can require a lot of time and labor.
  • Farm tours and hayrack rides. Also fairly common, opening your farm to the public for tours and offering services like hayrack rides provide up-close farm experience. They often vary widely on cost, supervision and risk exposure.
  • Bed & breakfasts. An unoccupied farm house or even a repurposed barn or other farm building offer farm guests distinctive overnight stays. Time and labor required are normally fairly high.
  • Experiences. Ranging from “U-Pick” farms and Christmas tree farms to barn rentals for events like weddings, these also can range widely in cost, supervision and risk exposure.
  • Classes. Weekly or monthly classes on things like jam- or bread-making can be an easy, low-cost option.


Minimizing the risks of agritourism
Before adding agritourism to your farm or ranch, think about the specific risks you and your visitors will face and how you’ll mitigate them. This includes simple things like trip and fall hazards all the way to specific risks around livestock, farm equipment and food safety. Conduct a thorough audit of these types of risks and start by taking steps to minimize the hazards they represent.

“Check with your state for any agritourism protective measures and talk to your insurance agent for guidance on mitigation measures and how you can expand your insurance coverage,” said Neal.

Talk with your insurance agent
Farmers who offer agritourism activities need to discuss their specific types of businesses with their insurance agent. Usually, the policy that provides liability for the farm business does not extend to liability from other profit-making activities, such as agritourism.

Your local Nationwide Farm Certified agent can help you identify risks, implement safe practices and confirm you have the right agritourism insurance in place. Nationwide offers liability coverages that can be written as a package, in conjunction with a farm policy, to cover your agritourism ventures.

Visit AgInsightCenter.com to see the latest articles, videos and podcasts. While you’re there, sign up to receive our bimonthly AIC email newsletter.

*A.M. Best Market Share Report 2021.
Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. © 2022 Nationwide

Stay on top of key ag trends with the Ag Insight Center

Stay on top of key ag trends with the Ag Insight Center

The following information is provided by Nationwide®, the #1 farm and ranch insurer in the U.S.*

Managing a successful farm or ranch today takes a lot of time and energy. And keeping up with evolving trends and the accelerating pace of innovation is no easy task.

As a way to help farmers and ranchers stay on top of the many issues they face — from day-to-day operations to operation-wide management — Nationwide launched the Ag Insight Center (AIC).

At AgInsightCenter.com, you’ll find resources, expert tips and timely, relevant content to help you stay in the know on the issues you face and solutions to the challenges of agriculture.

  • Safety and risk management resources to help you identify and reduce hazards, keep workers safe and protect assets
  • Business and operations resources to help you stay on top of industry trends, identify business opportunities and run a more profitable operation
  • Financial planning resources to help you make important financial decisions for your business and family
  • Insurance resources to help understand your needs and coverage options from Nationwide


Thought leadership from farm experts and industry leaders
As the #1 farm and ranch insurer in the U.S., Nationwide employs talented and experienced people from agricultural backgrounds –  many of whom are farm operators. The thought leadership content you will find on the AIC draws on the expertise and experience of a talented team of industry experts and ag professionals who know first-hand the pressures and challenges facing farmers and ranchers.

For example, Erin Cumings, Nationwide Sponsor Relations Senior Consultant, also raises cattle and farms in Warren County, Iowa. Erin shares with readers her 20 years of insurance experience, hands-on knowledge and expertise in farm safety and risk management and how fellow farmers can add value to their farming operations.   

Get content delivered to your inbox
We encourage everyone to subscribe to the AIC newsletter to get content delivered straight to their email inbox every other month. Each newsletter contains content on trending topics impacting farmers today. No matter where you are — in the field, office or farm shop — you always have quick access to valuable information that can help you manage your operation today and plan for tomorrow.

“The Ag Insight Center is symbolic of the Nationwide commitment to helping our customers thrive,” said Nationwide Ag Marketing Director Brad Snyder. “It’s a one-stop shop to keep farmers informed on the topics important to their businesses and families. And the AIC email newsletter gets you that information in a snap, no matter where you are or what you’re doing.” 

Visit AgInsightCenter.com to see the latest articles, videos and podcasts. While you’re there, sign up to receive our bimonthly AIC email newsletter.

*A.M. Best Market Share Report 2021.
Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. © 2022 Nationwide

58 fire departments nationwide win life-saving grain rescue equipment

58 fire departments nationwide win life-saving grain rescue equipment
Nationwide’s Grain Bin Safety campaign has awarded 265 rescue tubes across 31 states to first responders in need since 2014

Des Moines, IA. (June 21, 2022) — Grain bin accidents send shockwaves through rural communities as farmers and grain handlers know all too well how quickly entering a grain bin can turn deadly. To help prevent these accidents that result in dozens of lives lost each year, Nationwide is providing lifesaving resources to rural America’s first responders.

In partnership with the National Education Center for Agricultural Safety (NECAS), Nationwide is awarding 58 fire departments across the country with grain rescue tubes and hands-on training to prepare them to respond when local grain entrapments occur.

After receiving more than 1,800 nominations across 45 states in the annual Nominate Your Fire Department Contest, a key piece of Nationwide’s Grain Bin Safety advocacy campaign, the insurer and its partners are proud to award grain rescue tubes and training to the following 58 fire departments:

  1. Allegany County Special Operations, Cumberland, MD
  2. Argusville Fire Department, Argusville, ND
  3. Ashley Fire Department, Ashley, IN
  4. Ashley Fire Protection District, Ashley, IL
  5. Atalissa Volunteer Fire Department, Atalissa, IA
  6. Baring Volunteer Fire Department, Baring, MO
  7. Bel Alton Volunteer Fire Department and EMS Co 10, Bel Alton, MD
  8. Bennet Rural Fire District, Bennet, NE
  9. Brandon Fire Department, Brandon, IA
  10. Carroll County Volunteer Emergency Services Association, Westminster, MD
  11. Central Ohio Joint Fire District, Centerburg, OH
  12. Clayton Fire Company, Clayton, DE
  13. Clear Spring Volunteer Fire Company, Clear Spring, MD
  14. Cordova Fire Protection District, Cordova, IL
  15. Covington Fire & Rescue, Inc., Covington, OH
  16. Jefferson County Department of Emergency Services, Brookville, PA
  17. Dwight Rural Fire Department 6, Dwight, KS
  18. Elderton District Volunteer Fire Company, Elderton, PA
  19. Fleetwood Volunteer Fire Company, Fleetwood, PA
  20. Genoa Fire Department, Genoa, NY
  21. Georgetown Fire Company, Inc. Station 77, Georgetown, DE
  22. Hamlet Fire Department, Hamlet, IN
  23. Hebron Volunteer Fire Department, Hebron, MD
  24. Highland Pierron Fire Department, Pocahontas, IL
  25. Hillsboro Fire and Rescue, Hillsboro, IA
  26. Huntingburg Fire Department, Huntingburg, IN
  27. Illiopolis Fire Protection District, Illiopolis, IL
  28. Jefferson Township Fire and Rescue, Richmond Dale, OH
  29. Kenockee Township Fire Department, Avoca, MI
  30. Kinmundy-Alma Fire Department, Kinmundy, IL
  31. Lake Andes Volunteer Fire Department, Lake Andes, SD
  32. Lawrence Volunteer Fire Department & Rescue Service, Lawrence, NE
  33. Leonardtown Volunteer Fire Department, Leonardtown, MD
  34. Mabel Fire and Rescue, Mabel, MN
  35. Maeystown Fire Department, Maeystown, IL
  36. Mechanicsville Volunteer Fire District, Mechanicsville, MD
  37. Milo Rural Fire Department, Milo, MO
  38. Oakley Fire Department, Oakley, KS
  39. Ohiowa Rural Fire Department, Ohiowa, NE
  40. Ottawa County Rural Fire District #4, Bennington, KS
  41. Pleasant Unity Volunteer Fire Department, Pleasant Unity, PA
  42. Preston Volunteer Fire Company, Preston, MD
  43. Ripley Township Volunteer Fire Department, Alamo, IN
  44. Rome Fire Department, Rome, OH
  45. Saint Paul Mission Township Fire Department, Saint Paul, KS
  46. Scott Township Fire and EMS, Evansville, IN
  47. Seaford Volunteer Fire Department, Seaford, DE
  48. Silvercreek Township Fire Department, Jamestown, OH
  49. Spring Valley Fire Department, Spring Valley, WI
  50. Upham Fire Protection District, Upham, ND
  51. Watertown Township Fire Department, Mayville, MI
  52. Waubay Volunteer Fire Department, Waubay, SD
  53. West Kittanning Fire Department, Kittanning, PA
  54. West Plains Fire Department, West Plains, MO
  55. Westport Community Volunteer Fire Department, Westport, IN
  56. Williamsburg Volunteer Fire Company, Williamsburg, PA
  57. Windsor Fire Department, Windsor, OH
  58. Wood Lake Fire Department, Wood Lake, MN
  59. Audubon Fire Department (re-training only), Audubon, IA
  60. Guthrie Center Fire Department (re-training only), Guthrie Center, IA
  61. Hutchinson Fire Department (re-training only), Hutchinson, MN
  62. Johnston Grimes Metropolitan Fire Department (re-training only), Johnston, IA
  63. Superior Ambulance Service & Training Institute (re-training only), Grove City, PA
  64. Traer Fire Department (re-training only), Traer, IA


“We are proud to provide first responders the education and resources to lead the fight against local grain bin entrapments,” said Brad Liggett, president of Agribusiness at Nationwide. “It’s been our mission to bring an end to this industry issue by raising awareness of the dangers and suppling needed equipment to the front line rescuers tasked with responding when accidents occur.”

NECAS, based out of Peosta, IA, will deliver the rescue tubes and training to the winning fire departments throughout 2022, traveling to each location with state-of-the-art grain entrapment simulators and rescue tubes. The comprehensive training sessions include classroom education and rescue simulations using the entrapment tools, which are loaded onto 20-foot trailers and able to hold about 100 bushels of grain each.

With 2022 donations included, Nationwide and partners have supplied these resources to 265 departments across 31 states. At least five fire departments have utilized their rescue tubes and training to successfully rescue entrapped workers.

“It’s as important as ever to be following proper safety precautions when entering a bin,” said Liggett. “Our goal is to continue these efforts until we can ensure every rural fire department has access to these critical rescue resources.”

Nationwide is continuing to work with partners throughout 2022 to provide additional grain rescue tubes and training sessions to fire departments in need. To learn how to get involved and sponsor a rescue tube for your local fire department, visit the Partner With Us webpage.

“Thank you to our generous partners who have supported this cause to put an end to avoidable deaths in rural agricultural communities nationwide,” said Liggett.

The program is supported by Nationwide and the following generous partners:  

  1. KC Supply, NECAS, Indiana Corn Marketing Council, Maryland Grain Producers, Lutz Agency, Inc., Specialty Risk Insurance, CHS, Delaware Soybean Board, ProValue Insurance LLC, Mid Atlantic Farm Credit, Scoular Grain, Turtle Plastics, Mark Bruns Agency, Ashtabula County Farm Bureau, TGIF Solutions, Inc., Armstrong County Farm Bureau, Maryland Soybean Board, West Side Salvage, GROWMARK, AGI SureTrack, Gregerson Salvage, Inc., Maryland Farm Bureau, Ohio Farm Bureau, Pennsylvania Farm Bureau, New York Farm Bureau, Delaware Farm Bureau, Kelly Jones Insurance Agency, LLC, Rugby Insurance Agency, Gerber Insurance Agency, Wiley Insurance Agency, Valley Insurance Agency Alliance, Jefferson County Farm Bureau, Panichelle Insurance, Colonial Farm Credit, Charles County Farm Bureau, St. Mary’s County Farm Bureau, Gallagher, Heritage Insurance & Real Estate, ABIS/Assured Partners, Ag Choice Farm Credit, D. Larson Financial & Insurance Services, Pillar Insurance, Sump Saver, NOHR Wortmann Engineering, IRMI, and Traer Fire Department.

About Nationwide
Nationwide, a Fortune 100 company based in Columbus, Ohio, is one of the largest and strongest diversified insurance and financial services organizations in the United States. Nationwide is rated A+ by both A.M. Best and Standard & Poor’s. An industry leader in driving customer-focused innovation, Nationwide provides a full range of insurance and financial services products including auto, business, homeowners, farm and life insurance; public and private sector retirement plans, annuities and mutual funds; excess & surplus, specialty and surety; pet, motorcycle and boat insurance. For more information, visit www.nationwide.com. Follow us on Facebook and Twitter.

Nationwide, Nationwide is on your side, the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2022

1 Source: A.M. Best Market Share Report 2021

Translate »