Kentucky Family Farm & Auto

01/15/2025

Here are tips from the people who write policies and work with farmers.

01/12/2025

Once again..... I can not stress the IMPORTANCE of reviewing your policy!!! On a a couple of forums I am on a, there have been some barns burn down with livestock in them. Called insurance and ..... No coverage for building or livestock. Appears the structures were not ON THE POLICIES!!!! OR LIVESTOCK.

Draw a map on a piece of paper with ALL structures you want insured with labeling. Then have a chat with your agent in regards to each structure.

Also, make sure you are up front with what you do on your farm. The agent may not be experienced in Farm policies (regardless of the name of their carrier). The policy is only as good as the agent writing it. Ask questions about your exposures and activities. Make the agency show where those risks are insured! Can't stress that enough. Sometimes the response " oh you're covered" is useless in the event of a claim. If they so say that...have them put it in writing...on letterhead and signed if they can't show you in the policy! May help in the event of a claim.

DO NOT think that the listing "other structures" includes barns. Depending on type of policy you have... That is typically an extension of structures associated with your dwelling. Odds could possibly not be in your favor if relying on this endorsement. As some folks have found out.

Please reach out and review. In the day of an agency we, as agents, want to be proactive and reach out to you, our client. With the Advent of communication processes.. emails for policy review or letters, may not be read by the insured. So.. please make an effort to have a convo with the agent to find any holes and exposures.

502-744-9020 [email protected]

Reach out and we can help navigate those farm policies and gaps and exposures.

Send a message to learn more

01/11/2025

"The regulations... set up a very complicated set of rules for both horse owners and event managers."

01/11/2025

So glad to see this!!

01/08/2025

Great little read for those intersted in protecting their assets and livelihood.

Most states have some form of Equine Activity Statutes. In many states, these equine liability laws apply to farm animals other than just horses.

01/07/2025

❄️🐄 As winter weather persists, ensure your animals stay safe and well-cared for as temperatures drop. Regular checks and proactive measures will help maintain a smooth operation and keep your animals healthy.

01/07/2025

Snows before or after the ground has thawed can yield some great benefits to your soil. As precipitation falls through the atmosphere, it collects atmospheric nitrogen which is in the NH2 form. When snow collects on thawed soil, it slowly melts, allowing a slow-release of NH2 into the soil profile.

01/07/2025

Good morning!!! Got those barn doors and gate latches warmed up and clear of ice? Here in the Bluegrass State, we got a wee bit of snow and ice. Watching the news we have not seen a lot of power outages report. YAY!!!

Stay warm, drink lots of liquid.. COFFEE is our AM choice! (Our pot here just finished percolating here at headquarters)

Don't over do it and if you want to chat insurance. Please give us a call! 502-744-9020

01/03/2025

We have added CHUBB to our stable of fantastic Farm and Personal Lines!!! Would love the opportunity to see how they stack up with your current policies!!!

01/03/2025

We here at KFFA... Are behind this 150%. Enjoy your day and we are here to help you navigate any insurance paths... From Farms to Accident ..... We have you "covered"

01/01/2025

From us to you!!!

12/31/2024

From our little Neck O' the Woods ... To YOURS!!!

12/26/2024

Has your farm insurance premiums went sky rocketing? We have carriers that are dominant as the top in the independent farm insurers in the United States. As we read over our potential clients current policies, it becomes very concerning over the way policies are written. Don't wait until it's too late to find there are holes. Give us a call/email/text!!!

12/18/2024

Hello, National Women in Agriculture Association (NWIAA),

I am conducting doctoral research on Black women veterans' experiences with farmland procurement through federal programs, specifically Section 22007 of the Inflation Reduction Act of 2022 or the Discrimination Financial Assistance Program (DFAP).
I want to connect with 20 Black women veterans who have applied to this program. Participants will complete a 30-60 minute Zoom interview and receive a $20 virtual Visa gift card as a token of appreciation.

📌 Participation is voluntary.
📌 All participant information will remain confidential.
📌 Contact details are in the recruitment flyer below.

Please share this post within your networks. Your support is greatly appreciated!

Thank you,
Kelsha Weaver
[email protected]

12/15/2024

2 of the best signs in an Equine Barn can have. No.... They do not allow you from securing proper liability and risk insurance but.... A tool that all carriers require you have displayed in a prominent well used area!

this a conversation you current agent should be having with you and a gazillion other ones!

We wouldlovethe pportunity to review your current Equine Liabilty polict 502-744-9020

Send a message to learn more

12/11/2024

A question for AI:

You said:
Why should I use an independent insurance agent versus captured for my farm insurance?
ChatGPT said:

ChatGPT
Choosing between an independent insurance agent and a captive agent for your farm insurance depends on your priorities and needs. Here are some reasons to consider an independent insurance agent:
Advantages of an Independent Insurance Agent
Access to Multiple Carriers
Independent agents work with multiple insurance companies, which means they can shop around for policies that best suit your farm's unique needs and budget. This increases your chances of finding better coverage and competitive rates.
Customized Coverage
Farms often have diverse and specialized insurance needs (e.g., coverage for equipment, crops, livestock, liability, and structures). Independent agents can compare options across carriers to tailor policies that match your specific requirements.
Unbiased Advice
Since independent agents are not tied to one insurance company, their primary goal is to serve your best interests. They can objectively compare policies from different insurers to help you make an informed decision.
Flexibility
If your needs or circumstances change, an independent agent can easily switch you to another carrier without the hassle of finding a new agent. This is particularly useful in industries like farming, where risk levels and operational demands can vary.
Personalized Service
Independent agents are often smaller, local businesses. They are familiar with your region and its unique farming risks, and they typically provide a more personalized and community-focused service.
Claims Advocacy
In the event of a claim, independent agents often assist in navigating the claims process and advocating on your behalf with the insurer.
Limitations of Captive Agents
Restricted Options
Captive agents represent a single insurance company, which limits your options. If their company doesn’t offer a policy that fits your needs, you may have to compromise on coverage or price.
Potential for Bias
Captive agents are incentivized to sell policies from their company, which may lead to less flexibility or objectivity when recommending coverage.
Less Competitive Pricing
Because they can't shop around, captive agents may not always provide the most cost-effective solutions.
When a Captive Agent Might Work Better
Simplicity
If you have straightforward needs or already have a strong relationship with a specific insurance company, a captive agent can streamline the process.
Exclusive Perks
Some captive companies offer specialized discounts or benefits for bundling policies, which could be advantageous if you're loyal to one brand.
Why Independent May Be Better for Farms
Farm insurance is complex, involving various risks like crop failure, equipment breakdowns, liability, and weather-related damage. The ability to compare policies across carriers ensures your coverage is tailored to your operation's specific challenges and risks. Independent agents also tend to have more expertise in niche areas, such as agricultural insurance, and can adapt to your needs as your farm grows or changes.
Would you like help finding questions to ask an agent to evaluate them?

Send a message to learn more

12/08/2024

Off-Premise Personal Equine Liability Insurance...... I know your horse wouldn't hurt anyone or any property but.... There is always that "one time". If you have a personal home owner insurance policy, please check with your agent as there is a 99.9% chance you do have OFF-PREMISE liability!!! I have even seen farm policies exclude this!!!!

Worth a review with your agent. And if the say you "you have it".... Make them prover it. Just sayin'. There are a lot of agents that do not even know what it means, much less if you have the protection.

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12/08/2024

Today's pondering is Product Liability and something called....wait for it.... Chain of Distribution Liability. Yes, that's a real legal term and could harm you financially.

The skinny? You sell someone else's product..... You could be on the hook for a claims and legal defence if someone's sue's. Even though you didn't produce it.

So.... Make sure you have Product Liability on those insurance policies of you sell items. You may have not grpwn it, built it or designd it but...... you sold it

Need a policy review if you think you fall into that category??? Reach out!