Welcome to Rodgers & Associates Insurance, Inc.—your trade partner for Custom Harvesting Insurance in Phillipsburg, Kansas and across the Midwest. As a general agency with more than 25 years serving agricultural clients, we provide independent agents access to tailored, non-admitted programs that address the specific exposures faced by custom harvesters. We work with you to place accounts ranging from single-operator cutters to multi-crew, multi-state operations.
Ideal Accounts and Appetite
The Custom Harvesting program is built for a wide spectrum of harvest operations. Typical good-fit accounts include operators who run seasonally, move equipment between farms, or transport harvested crops across state lines.
- Independent contract harvesters and custom cutter businesses
- Multi-state harvesting operations and seasonal crews
- Farms with a custom harvesting side business
- Operators who regularly transport equipment or crops interstate
Coverage Highlights and Advantages
Custom harvesters face mobile-equipment, transportation and third-party liability exposures that standard farm policies may not fully cover. Our program offers flexible modules to address those needs, including:
- Commercial Auto — for trucks, semis, and support vehicles used in the operation
- General Liability — protection for bodily injury and property damage third-party exposure
- Inland Marine / Cargo — coverage for mobile harvesting equipment, headers, and transported crops
- Farm Owners and Ranch Personal Property coverage
- Coverage options for outbuildings, elevators, and feed mills
- Farm Personal Property — machinery, implements and related equipment
- Debris removal following a covered loss
Policies are customized to the operation’s equipment inventory, transit patterns, and on-site exposures. We can package dwellings or mixed-use structures together with the harvesting program when needed.
Underwriting Notes
Underwriting is handled with an agricultural focus: we ask detailed questions about equipment lists, tow distances, trailer types, seasonal workforce, and interstate travel. Because every harvesting business is different, we collaborate closely with agents during quote submission to ensure accurate exposure capture. We do not publish a set minimum premium; our goal is to remain competitive for well-documented, qualified risks. Prompt underwriting feedback and practical placement solutions are part of our service promise.
Territories and Availability
This Custom Harvesting program is available in CO, IA, KS, MO, NE, ND, OK, SD, and TX. Rodgers & Associates offers this coverage on a non-admitted basis to provide broader flexibility for unique or hard-to-place risks.
Why Work With Rodgers & Associates?
- Deep specialization in farm and custom harvesting risk — this is our niche.
- Kansas-based underwriting team with regional agricultural knowledge.
- Direct access to experienced underwriters and personalized broker support.
- Practical, relationship-driven approach aimed at long-term client retention.
Example placement: You might have a client who runs a two-combine custom harvest crew, transports headers on interstate trailers, and stores grain temporarily before delivery. This program can combine inland marine/cargo, commercial auto, and farm property coverages to address that mix of mobile and on-site exposures.
If you’re an agent placing custom harvesting accounts, Rodgers & Associates Insurance, Inc. can help you build tailored coverage packages and guide you through underwriting. Connect with a market specialist.
Frequently Asked Questions
What types of accounts are a good fit for this program?
We’re a great fit for custom harvesters of all sizes, from single-operator businesses to multi-crew operations transporting equipment across state lines.
Which states is this program available in?
This program is available in CO, IA, KS, MO, NE, ND, OK, SD, and TX.
Do you offer inland marine coverage for mobile equipment?
Yes, our program includes inland marine and cargo insurance to protect mobile harvesting equipment and transported crops.
Is this program admitted or non-admitted?
This is a non-admitted program, allowing for greater flexibility in underwriting and coverage customization.
Can you help with accounts that have mixed-use properties?
Yes, we can tailor packages to include dwellings, outbuildings, and mixed-use structures as part of the farm or harvesting operation.
Need help placing an account? Connect with a market specialist.