I have a liability policy that covers all equipment if it is on my farm or being used for farming. This includes transporting to and from field, etc. I haven't ever checked into things like tractor drives or anything - I've got too much to do to try something like that. I also have a two million dollar policy that covers self-employment (farming) and a five million dollar umbrella.
Most of my farming requires taking equipment on roads. You can never be over-insured in that case. Kansas is pretty good, though. I've never heard of them not immediately jumping on the farmer's side. It helps to be known in the community...
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Today's Featured Article - An Old-Time Tractor Demonstration - by Kim Pratt. Sam was born in rural Kansas in 1926. His dad was a hard-working farmer and the children worked hard everyday to help ends meet. In the rural area he grew up in, the highlight of the week was Saturday when many people took a break from their work to go to town. It was on one such Saturday in the early 1940's when Sam was 16 years old that he ended up in Dennison, Kansas to watch a demonstration of a new tractor being put on by a local dealer. It was an Allis-Chalmers tractor dealership,
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