Monday, June 29, 2009

5 Things to Remember for Farm and Ranch Customers in a Soft Economy
By Anita Herzog, Farm and Ranch Department Manager

1. Make sure your clients are covered.
Have they added new activities recently? In many cases, farmers will implement agritourism or retail outlets in order to generate additional revenue. These should have separate coverages to protect their total interests.

2. Do they have proper coverage?
If they’ve liquidated or added some of their assets, such as additional tractor and other equipment, now’s a good time to look at their coverage. Are structures adequately covered for their rebuild costs? Are there times of the year when additional coverage may be needed? Keep in mind, TAGA can also package personal umbrellas for your farm and ranch clients.

3. Are you sure they’re getting the best rate?
TAGA shops your submission between up to five A Rated Admitted markets, getting you the best value possible with no extra effort on your part. Also, we’re happy to provide various options for you, for example, deductible options, valuations and operations.

4. Don’t sacrifice service for price.
At TAGA, we believe in combining competitive pricing with quality service and we only work with markets that provide the same standards. We pride ourselves on our quick turnaround, giving you the answers you need when you need them.

5. Work with an MGA and Carriers who know Farm and Ranch
We pride ourselves on our vast knowledge of Farm and Ranch products, and have the markets to provide you with options. What this means for you is that if you have a situation that seems out of the ordinary, chances are we’ve seen it and can provide you with the best option out there.