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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 We do not publish a set minimum premium; our goal is to remain competitive for well-documented, qualified risks.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.

Your Workers' Compensation Solution for Agricultural Businesses Utah Business Insurance Company (UBIC) offers a focused Workers' Compensation program built for the agricultural sector. With experienced underwriters and a practical safety-first approach, UBIC provides competitive, admitted solutions for agents placing agriculture-related risks. Each submission is reviewed on its individual merits — we avoid one-size-fits-all templates and offer flexibility to accommodate a wide range of farm and agri-business accounts. Ideal Accounts and Appetite UBIC's Agriculture Workers' Compensation Program targets a broad spectrum of farming and agricultural operations. We consider most NCCI agriculture and farm class codes, which makes it easier for agents to place diverse agri-business clients. The program accepts single-site farms, multi-location operations, and businesses that operate in multiple eligible states. Examples of good-fit accounts include: A multi-location produce farm with seasonal employees, formal safety training, and documented return-to-work practices. A family-run cattle operation converting from a PEO arrangement and seeking admitted workers' compensation coverage. Coverage Highlights and Program Advantages UBIC provides more than a policy — we deliver resources that help insureds manage exposures and reduce claim frequency: Customized safety manuals tailored to agricultural tasks Safety meeting logs and practical checklists for daily operations Site-specific risk-management assessments (annual, bi-annual, or quarterly as needed) Consultative support by phone, online, or in-person for accident prevention and compliance Underwriting Guidelines and Flexibility Underwriting focuses on the individual risk. Key program guidelines include: Eligibility for most agriculture/farm NCCI codes Experience modification factors accepted up to 1.50 (higher with referral) Account premiums commonly start near $1,000 Multi-location and multi-state operations are accepted within program territories Accounts exiting PEOs or leasing arrangements are eligible for consideration Group transportation and lodging may be restricted depending on exposure Flexible payment terms, including monthly self-reporting options Territories and Availability This Agriculture Workers' Compensation Program is available on an admitted basis in the following states: Arizona (AZ), Colorado (CO), Idaho (ID), Nevada (NV), New Mexico (NM), Oregon (OR), and Utah (UT). Why Place Business with UBIC? Utah Business Insurance Company partners with Companion Property and Casualty and Companion Commercial Insurance to deliver stable, admitted workers' compensation capacity for the ag market. UBIC emphasizes hands-on underwriting, practical risk control, and strong service for independent agents. Our in-house risk control resources and regional underwriting expertise make us a reliable placement option for agriculture accounts that need admitted coverage and loss-control support. Learn more on our company profile or start a submission. Frequently Asked Questions What types of accounts are a good fit for this program?This program is suited to most agriculture and farm-related businesses, including multi-location farms, seasonal operations, and entities transitioning from a PEO or leasing arrangement. In which states is this program available?The program is available on an admitted basis in Arizona, Colorado, Idaho, Nevada, New Mexico, Oregon, and Utah. What is the minimum premium for eligible accounts?Target account premiums commonly start near $1,000, making the program suitable for smaller agricultural operations as well as larger ones. Can my client have multiple locations or operate in more than one state?Yes. The program accepts multi-location and multi-state agricultural businesses provided the operations are within the eligible states listed above. What risk management resources are included?UBIC provides safety manuals, meeting logs, practical safety checklists, and periodic risk assessments, plus phone, online, and in-person safety consultations to support loss prevention. Need help placing an account? Connect with a market specialist.