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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.

Workers Compensation: Are Your Employees That Travel Covered in Other States?

Kimberly Beach Kimberly Beach , 3/18/2015
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Massive Airbag Recall Auto Insurance KSWorkers compensation is insurance that employers are required to have. It is designed to provide compensation to employees in the event that they are injured or sickened while performing their job duties during work hours. Each state sets forth differing requirements that could be more or less generous than their next-door neighbors. Traveling Employees and Workers Comp If your company sends its employees to states other than the state your comany is based in, it is important to know that your workers compensation policy might not cover them. The states that are listed within the "Declarations"item 3.A or 3.C portion of your policy are the only ones whose claims are paid out by your insurance carrierif certain requirements are not met.This means that if one of your employees is injured while on the job in a different state that is not listed in section item 3.A or 3.C of your policy, the claim could be deniedand you could be held fully responsible. Solutions for Traveling Employees One solution to this dilemma is to call your agent and see if you can addthose states to your policy.  This provides coverage for those employees that might work temporarily within those states. An exception to this is if the other states are “monopolistic” and workers compensation coverage may need to be purchased from those states directly. Exceptions to This Solution The above solution is designed only for those times when an employee must temporarily traveland work inanother state. In the event that you set up another “business location” in anotherstate as well as within the home base state, that state will likely need to be added to your insurance's "Declarations" pageitem 3.A. The above information is simply an overview. For specific advice about a workers compensation coverage that is right for your business, contact your insurance agent.