The most important aspect of crop insurance is knowing what it does and does not cover. Many causes of loss stemming from outside the operation are covered, such as fire, lightning, smoke, wind, hail, and theft. Some causes of loss that can be controlled by the operation are covered, such as sprinkler leakage; however, others (mold, fertilization problems) may not be covered. At Semler Insurance, we do more than just help manage claims after they occur; we make sure our clients understand their coverage before anything happens.
Another important area of understanding is what is covered. You may have exposure to everything ranging from seeds and seedlings to plants that have been harvested and finished stock. Is yours a greenhouse operation or an outdoor field – or both? What you have, and where it is located and stored, are important factors that your insurance agent must explore with you.