Good advice, Rick. I've worked in commercial insurance for 33 yrs and coverage is not as clear as you think it should be. It is a highly regulated industry where the state has to agree on how much you charge, what coverage you can provide, how you can sell it, and how you have to settle claims. You farmers, imagine what your life would be like if the state told you what to plant, how much seed to use, where to plant it and how you were going to harvest it. And if you want to change anything you have to apply to them to change it and pay them a fee to be able to ask them. Oh, and you'll be in court at the drop of a hat because someone disagrees with what you've done or how you do it. Is it fun for you yet?
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