The protection you need from the people you trust. CROP INSURANCE HIGH STAKES MANAGEMENT
In a good year, the deep, rich soil along the Missouri River near Franklin will produce 200-bushel per acre corn and 65-bushel per acre soybeans. And in a bad year? For Ron Hackman, that’s when crop insurance becomes the most important management decision of the season. “Everything I farm is in a floodplain,” the veteran farmer explains, “and most years we get along pretty well. We have a good levee and pumps — we do everything we can to keep from collecting on crop insurance. But when Mother Nature decides the river is going over, that’s all there is to it. “With the cost of seed, fertilizer, fuel, chemicals — we just can’t afford not to have crop insurance.” Of course too little rain can be just as damaging as too much and there’s always a chance for a hailstorm to come rumbling down the valley. With all that’s at stake, crop insurance from FCS Financial is the cornerstone of Hackman’s risk management strategy. “Your agent is what it’s all about,” says Hackman whose crop insurance specialist is Dan Rhoades from the Columbia office. “He knows all the rules and regulations and helps me get the coverage that’s best for my operation.” Since FCS Financial is Hackman’s lender, there is also a convenience factor, he says, but primarily the decision to source his crop insurance needs through FCS Financial comes down to expertise. “It’s their knowledge of the coverage options available as well as their knowledge of my farming operation,” he explains. “And, it’s more than just the agent. The whole office staff is knowledgeable and very helpful. “I’ve been with FCS Financial forever, it seems like, and I wouldn’t even think about switching to something else.”