CompleteMarkets
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.
Driving Records: review them often and with your drivers
self-drivingAutomobile accidents are the number one cause of liability claims in business.  Automobile related claims, especially drivers under the influence of alcohol and youthful operators, are the most devastating to families as well. Every risk manager and fleet manager needs to check drivers’ records frequently. Quarterly is not too frequent. Sounds overly intrusive or expensive?  Consider that good driving records not only reflect good driving habits; they reflect vigilance in these habits. Fleet managers must view on-time deliveries and vehicle upkeep as major issues.  Risk managers view safety and long-term costs as major metrics. Quality driver management and the reinforcement of vigilant, excellent driving habits support both sets of goals. Set driving record standards for moving violations and accidents.  Limit drivers to a maximum number of points or moving violations and at fault accidents.  Be sold on the idea of intolerance for lesser histories. Assign some intervention tactic for any moving violation or accident, even not-at-fault.  The fleet manager or risk manager can debrief the driver on the circumstances and measures of avoidance which were missed.  From this conversation, training can be assigned. Emphasize the importance of excellent habits and vigilant execution of these habits. The more touchy subject is checking driving records for spouses or children of employees who may access the vehicle, with or without permission. In closely held corporations or partnerships, do not hesitate to perform this task.  Driving while intoxicated and youthful drivers are the major devastating liability issues for families.  Healthcare bankruptcies are not liability claims for these purposes. Do you want your choice of partner dependent on your current partners’ sixteen year-old child’s driving?  For closely held companies, this scenario is real. The child speeds through a red light and badly injures several people.  The claim exceeds the family coverage.  Next in line – the business.  The debts may be paid by liquidating that partners share, the victims may become the new partners, or a forced sale of stocks may occur. For a public company, shares of stock or a garnishment of wages may occur for a personal automobile claim; but the company car exposes all the company assets. Banning family members or unauthorized usage is one answer, but teens will be teens.  Check the records, suggest interventions for family members too before bad habits lead to disaster.  And it's always possible to restrict car use to business only with the car left on the business campus; or take away privileges completely to at-risk employees.
Kimberly Beach
Other articles by: Kimberly Beach
This content has not been rated yet.