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PRE-HARVEST EQUIPMENT MAINTENANCE


KATIE LANGEL SPADE – FARM & RANCH UNDERWRITING DIRECTOR


The summer months give farmers a chance to recover from the busy spring planting
season and prepare for their hectic, and hopefully bountiful, fall harvest. Part
of regular preparations should include making sure equipment is properly
maintained and ready to be employed for harvest. Items like combines, grain
carts and harvest trucks are a big part of this restless season and are subject
to controllable losses if not properly managed. If one of these items is lost to
a fire or otherwise breaks down during the farmer’s busiest season it can have
costly consequences to a farm operation. Completing the following summer
maintenance can help give farmers a productive fall season.
 * Having a preventative maintenance plan in place for the operation and abiding
   by the manufacturer’s service schedule.
 * Fluid analysis - including engine coolants and lubricants, air conditioning
   refrigerant, hydraulic and driveline fluids.
 * Investigate hot running engines or bearings.
 * Check equipment tire pressure.
 * Maintain proper fire extinguishers and locate the nearest water source in
   case of a fire.
 * Clean out dust and debris, such as husks and pods, from the machinery.
 * Communicate equipment safety and a response plan to all operators or
   employees.

We offer Connect Farm & Ranch coverages that can be beneficial to your insured’s
livelihood in a worst case scenario.

Farm Extra Expense Coverage - FR390
This coverage may be provided for the insured to continue normal farming
operations which have been interrupted as a result of damage to or destruction
of property covered under Coverage E, F or O. No deductible applies.

Farm Electronic Data Processing Coverage - FR14
This endorsement provides direct physical loss of or damage to farm electronic
equipment, farm electronic media and extra expense incurred from the loss of the
equipment with replacement cost loss settlement. Coverage for farm electronic
equipment and farm electronic media can be scheduled for the desired amount of
liability. Extra expense is provided at a limit of $2,500. Examples of items
include: Auto Steer Cards, Global Positioning Systems, Laptops, Tablets, and
Electronic Media Recording Devices including the data recorded thereon.
Deductible options are available from $0 to $1,000.

Peak Season Coverage - FR379
The limits of liability for Coverage E--Blanket Farm Personal Property or
individual coverage classes for Coverage F--Scheduled Farm Personal Property can
be increased for a specified period of time due to monthly/seasonal variations
in coverage. When written for the same amount of insurance, consecutive months
may be combined into one specific time period provided that no time period
extends beyond the expiration date of the policy.

Non-Depreciation of Partial Losses - Farm Machinery - FR37
When this endorsement is attached the loss settlement provision for farm
machinery insured under Coverage E – Blanket Farm Personal Property and Coverage
F – Scheduled Farm Personal Property is amended to provide the full cost of
repairs for partial losses. There is no age limit in order for this coverage to
apply. Any irrigation system scheduled under Coverage F is also included.

Replacement Cost Farm Machinery - FR24
The loss settlement provision for items of farm machinery scheduled for this
coverage is modified to replacement cost. The year, make, model and an amount of
coverage is needed for each item of machinery. The item of farm machinery
scheduled must not be more than 6 years old, must be scheduled under Coverage F
– Scheduled Farm Personal Property, and must be insured to 80 percent or more of
full replacement cost. Irrigation equipment is eligible for this coverage.

Ultra Security Endorsement - FR852
Amends the FR 1 by increasing or adding various Section I and Section II
coverages, including newly acquired and replacement farm machinery, farm
machinery and mobile equipment of others, pollution clean up and removal, and
farm machinery towing and labor costs. See full policy form for further coverage
enhancements.

A full list of our optional coverages is available in your state specific Farm &
Ranch manual. Please see your state specific policy forms in SAConnect for
complete policy language, including conditions and exclusions.

Additionally, reviewing blanket inventories and scheduled farm personal property
lists annually with your insured’s can be a helpful step in making sure insured
values are correct in the event of a covered loss and help you avoid costly E&O
mistakes. Please see your state specific FR1 policy form on SAConnect for our
Coverage E and F policy language, including special provisions, conditions, and
exclusions.



 

 


CONNECT FARM & RANCH DOCUMENT UPLOAD ENHANCEMENT

In our quest to continually improve your Connect Farm & Ranch experience, we are
bringing you an exciting new system enhancement!

Uploading documents is now available directly from the Connect Farm & Ranch
portal! You can easily upload your policy documents directly from the Price
Confirmation through Final Confirmation pages. Along with the ability to upload
files, we are providing a dynamic required documents list. This list will now
display as a reminder of required documents to be submitted or uploaded.

 





To upload your policy documents select the Upload Files button to attach your
documents, either by browsing documents on your computer or dropping the files
in the box shown. When all files are added, select Submit.

 



Reminders will be displayed for the following items if applicable:
 * Loss run reports
 * Remediation certificate
 * Central alarm certificate
 * Fortified certification
 * Photos of solid fuel device
 * Photos of all dwellings
 * Photos of all structures
 * Photos of swimming pools and slides/diving boards
 * Wind mitigation discount documentation
 * Certificate of installation if impact resistant roof on structure or dwelling
 * Copy of written service agreement for annual inspection of heating and
   refrigeration equipment for spoilage coverage
 * Copy of contract between the applicant and vendor listed as Additional
   Insured - Vendor
 * Appraisal or bill of sale for scheduled personal property value equal to or
   greater than $30,000
 * Accident prevention course discount/US armed forces defensive driving course
   discount/motorcycle training course discount

Please attach all relevant documents at the time of sale for a more efficient
underwriting process.

 

 


BACKDATED POLICY CHANGES

In recent months we’ve had several instances where our agreement to backdate a
policy change request has resulted in a corresponding loss. Due to this recent
increase in unusual activity please be advised of the following changes in our
procedures.

We will allow change requests to be backdated within your Agent Binding
Authority.
 * Legacy Changes - 30 day binding authority
 * Connect Changes - 7 day binding authority

In instances where there are suspicious timings with change requests and
subsequent losses, these will be turned over to the State Auto CARE Special
Investigations Unit and we will pursue fraud or agent E&O as needed.  

 

This publication is intended for general information purposes only, and is not
an insurance policy. State Auto does not warrant that reliance upon this
document will prevent accident or losses, or satisfy federal, state or local
codes, ordinances or regulations, nor guarantees results based upon use of this
information. Eligibility, coverages, discounts and benefits may vary by state.
Coverages described are subject to definitions, limitations and conditions.
Please read the policy forms and endorsements for details.