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Experience We have been providing quality insurance for all types of rural and farm business including Custom Harvest insurance for over 25 years. We are an Agribusiness firm and no risk is to small or to large. We insure long haul trucking, cargo, home, auto,Farm Owners, Feed Mill and Elevator coverages. We also are an excellent source for life insurance, health insurance, annuities, IRA Accounts. Knowledgeable Staff Every person in our office knows how to serve your account. Competitive Rate We strive to provide quality insurance at reasonable rates. Availability We can be reached 24/7 via telephone, fax, E-mail, or our website. We want to be there for you. Meeting Your Needs We cater to the Agri Business at every level of production and service. forage, We insure Custom Harvesters of all small grain and cotton and you will get the same attention if you run 1 or 20 machines. If you are a farm owner we can insure your home, auto, crops, and machinery. If you own an Elevator, or are involved in agribusiness of any kind and we can help you with your risk management needs. We are able to do all types of confined animal insurance, hogs, feed lots, etc. . We have great irrigation rates for center pivots. If you need any agri business protection check us out. Customer Support We sponsor and attend safety meetings to provide a safe worksite. Rodgers & Associates Team Rodgers & Associates is committed to being one of the premier independent insurance agencies in Phillipsburg, Kansas. Our commitment is to provide customers with the best insurance value and service available, while maintaining the highest ethical standards and credibility with our clients, carriers, and the public. From Phillipsburg, Kansas we serve clients in North Dakota, South Dakota, Minnesota, Iowa, Nebraska, Oklahoma, Texas, Tennessee, Missouri and Colorado. Rodgers & Associates is a general independent insurance agency with a broad range of Commercial, Personal, Life, and Health products. We’ve aligned ourselves with some of the finest carriers to deliver these products to you. Established in the summer of 1970 as a one-man operation, Rodgers & Associates has grown to one of the premier insurance agencies in the Great Plains States. From our location in Phillipsburg, Kansas we serve middle America. Rodgers & Associates is currently owned and operated as a corporation and has over three decades of service history.
When and How Is Your ATV Insured?
You may already have several insurance policies that cover your all-terrain vehicle (ATV). Yet one of the most common and enjoyable ATV activities – off roading -- might not be covered by any of them. First, let's look at how and when your current insurance policies may apply: Auto Your auto policy will not cover your ATV. Even if your policy covers you when you rent a car, it won't apply to an ATV. Homeowner Your homeowner's coverage could kick in if your ATV is damaged on your property. Be sure to check if your policy includes liability coverage if someone is injured riding your ATV, or when hit by your ATV. Business If you use your ATV to haul products or for other business uses, your business property and general liability coverage should apply. Bear in mind that the coverage may exclude use of the ATV for personal reasons (i.e., for fun). Farm Again, if you use an ATV for farm work and have farm property insurance you should have coverage. Be sure to check whether there are limitations on off-road or personal use. Personal Umbrella This general cover-all policy could cover your liability if you injure someone while riding your ATV. Some policies have specific exclusions for equipment or potentially risky activities so check your exclusions to see if ATV riding or off roading is covered. Once you've reviewed your policy you may want to look into adding specific ATV insurance. This can consist of a rider to your existing coverage or a separate policy that covers your vehicle. Having a policy eliminates any gray areas and gives you the peace of mind that you have property and liability coverage when taking your ATV off your property and off the road. Sorting out the clauses and exclusions in multiple policies can seem like a daunting task. Remember a personal insurance agent can help you decipher your coverage and arrange for policies that meet your specific needs, on your property or of the road.
Kimberly Beach
Other articles by: Kimberly Beach
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