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As planting season begins and farmers head back into the fields,
COUNTRY Financial is encouraging the agricultural community to
prioritize safety and check on farm insurance coverages. Taking
proactive steps now can help reduce accidents, prevent
breakdowns and protect farm operations during one of the busiest
times of the year.
COUNTRY received more than 180 farm equipment collision
claims between the months of March and June 2025. These
claims include collisions on the road with other vehicles, as
well as collisions with buildings or other equipment on the
farm.
“The planting window is short, and farmers can’t afford to lose
time to setbacks from accidents, which unfortunately can happen
when rushed or not prepared,” said Bauer, COUNTRY Farm Certified
Representative in Lincoln. “Taking time now, before the rush
begins, keeps farmers safe and operations running smoothly.”
Michelle Bauer, shares the following tips for a safe and
successful planting season:
• Improve visibility on the road
Accidents involving farm equipment often occur at dawn or dusk
during peak commuting hours, especially when motorists attempt
to pass slow-moving vehicles or do not anticipate turns or
stops. Use flashing lights, ensure reflective tape and
Slow-Moving Vehicle emblems are clean and confirm all lights are
functioning properly to help maximize visibility and reduce
risk. Remember to use turn signals, as drivers often
misinterpret a tractor moving to the right side of the road
before making a left turn.
Drivers should plan ahead during the busy planting season,
remembering that farmers will be on the road and allowing for
extra time. Slow down, stay focused on the road and look for the
lights on farm vehicles.
• Prepare equipment
Equipment malfunctions are a common cause of farm accidents.
Thoroughly inspect and maintain all farm equipment before
hitting the fields. Regular maintenance such as checking worn
parts, replacing filters and lubricating moving components can
reduce unexpected breakdowns and improve overall safety.
• Take extra caution when handling chemicals
Chemical safety is another critical focus during planting
season. Review safe handling procedures for fertilizers,
pesticides and other hazardous materials with all farm workers
to help ensure everyone is aligned on proper protocols. Have
Safety Data Sheets (SDS) on-hand in case of emergency and ensure
the use of personal protective equipment, including gloves,
goggles and masks.
“Safety on the farm isn’t just about equipment—it’s about
awareness, communication and looking out for one another,” Bauer
said. “Refreshing safety practices each season helps prevent
injuries and protects everyone involved.”
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• Prevent theft
Theft of tools, chemicals and other personal property is common
during planting season and can occur when equipment is left
unlocked in the field, and when farmers are in and out of sheds
frequently and don’t close and lock the doors. Take time to
ensure valuable items are secured.
• Check insurance coverage and review extra coverage options
Farmers should check their farm insurance coverages to be sure
they have the right endorsements and coverages. For example,
with Extra Expense coverage, a farmer who has a covered loss on
a piece of equipment may be able to receive additional payment
to rent equipment and resume operations. Farmers who sell seed
corn need to purchase additional coverage. Check farm inventory
lists to be sure they are accurate and up-to-date, especially if
you have sold or purchased new equipment.
Meeting with an insurance agent to discuss equipment, buildings,
livestock, crops and employees can help ensure proper
protections are in place and that any recent changes to
operations are addressed.
• Take care of your health
Finally, farmers are encouraged to prioritize their health and
wellbeing. Long hours and physical demands can take a toll,
making it important to take breaks, eat healthy meals, get
enough rest and understand how medications may affect alertness.
Let family members or employees know where you’re working and
keep a phone or walkie talkie nearby in case of emergency.
Taking time to prepare for a safe planting season helps prevent
accidents, reduce stress and protect against the unexpected.
COUNTRY Financial has been protecting farms for more than 100
years and has more than 400 Farm Certified representatives ready
to serve farmers’ crop, farm and liability insurance needs.
For more information, call Michelle Bauer at 217-735-9705 email
michelle.bauer@countryfinancial.com or visit
www.countryfinancial.com/michelle.bauer
Policies issued by COUNTRY Mutual Insurance Company®,
Bloomington, IL, an equal opportunity provider.
[Provided by
Michelle Bauer, Financial Representative
COUNTRY Financial]
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