Back in mid-May of 2015, there was an unusual frost that happened one night. For most people living in Michigan, it wasn’t a big deal. Typical fluctuating spring weather. However, one industry suffered because of this frost, cherry farmers. The quick overnight freeze caused, on some farms, a 47% drop in crop production. Overnight freezes and other weather deterrents are unavoidable and can be devastating.

People Don’t See What You See

When most people imagine when they see a farm is cherry trees rolling over the hills as far as they can see. They imagine taking the family to the farm to pick strawberries and let the kids pet the goats and horses. They see the fun side of the farm. They don’t see the farm as a business. They don’t consider the business side of things. People often overlook the fact that bills and employees both need to be paid. They don’t understand the stress that can take over when running a business, especially one that is so dependent on the weather cooperating. People on the outside looking in just don’t see these things. Fortunately, we do.

How We Cover You

At Johnson and Associates Insurance, your security is our priority. You shouldn’t have to worry about whether you’re covered for potential crises. We’ll make sure that you are covered. We offer a variety of different coverages to fit the needs of your farm. Take a look at the different and appropriate coverages.

Areas of Coverage

• Equipment Damage

  • Direct Damage
  • Business Income / Extra Expense
  • Hazardous Substance
  • Perishable Goods
  • Expediting Expense
  • Utility Interruption
  • Portable Covered Equipment
  • Irrigation Equipment

• Property Damage

  • Debris Removal
  • Trees, Shrubs, and Plants
  • Credit Card Protection
  • Refrigerated Products
  • Farm Machinery Glass Breakage
  • Farm Records Coverage
  • Owner Cargo Coverage

A great thing to do when looking at commercial lines of farming insurance is to include your Michigan liability insurance to that same policy.  This will mean you’ll have one payment, and everything will be covered. At Johnson and Associates Insurance, we have the experience and wherewithal to create a plan that will have you covered in the face of a crisis. Let us get to work for you so you can continue to work on your farm.

Choose Johnson and Associates Insurance

For over 20 years, Johnson and Associates Insurance has been providing an honest and one-on-one type of approach for our insurance planning. Our knowledgeable agents will sure that your policy properly reflects your needs. Our rating system provides a great comparison of the country’s finest insurance agencies. So, you’ll not only get the best coverage, but you’ll get the best rate possible. Call Johnson and Associates today to speak with a real person, not a machine, to see what options we can provide for you and your farm.