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Agriculture is among the riskiest industries in the U.S. To give you an idea, in 2020 alone, over 350 farm workers succumbed to work-related injuries, per the Centers for Disease Control and Prevention (CDC). The figure translated to about 18 cases per every 100,000 farm workers. If you are a farmer dealing with farm machinery and workers, you risk losing your finances if an accident occurs. For instance, a tractor can overturn and pin a worker underneath. Farm and ranch insurance coverage can help secure your finances if a peril occurs on your farm and causes losses. Here is more information about this topic.

The need of business insurance starts with the planning and setting-up of business but it is also important to have some detailed description of its terms and conditions. There are some points of do's and don'ts which can also bring down high premiums.