As a former adjuster, following the letter of the law in my state, if you work off farm and are injured running your farm it is considered a separate business that should have it's own insurance. Now that being said most insurance companies would not follow all of the laws to a tee because of bad press but some will. If you shopped around for bargain basement insurance you could be in real trouble. A lot would depend on the company and the adjuster. I know one guy who's loyalty is to the company only and he thinks that he should look for reasons to deny a claim. Thankfully those are few and far between.
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Today's Featured Article - Harvestin Hay: The Early Years (Part 2) - by Pat Browning. The summer of 1950 was the start of a new era in farming for our family. I was thirteen, and Kathy (my oldest sister) was seven. At this age, I believed tractor farming was the only way, hot stuff -- and given a chance I probably would have used the tractor, Dad's first, a 1936 Model "A" John Deere, to go bring in the cows! And I think Dad was ready for some automation too. And so it was that we acquired a good, used J. I. Case, wire tie hay baler. In addition to a person to drive th
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