Farm Insurance in College Station Texas

Every year agricultural hazards cause thousands of injuries and fatalities as well as billions of dollars in damage to farms throughout the country. These hazards present significant dangers to agricultural workers, livestock, and the expensive buildings and equipment required to operate these farms. Even though farm insurance can compensate for equipment, buildings, and other material losses, worker safety and accident prevention must always be a priority. As any farm insurance agency will agree, knowing what the most common hazards are is the first step in improving agricultural safety and reducing hazard risk.

Fire Hazards

Fire is one of the main hazards that can affect an agricultural operation since there are so many ways a fire can start. Fires can start from electrical problems, lightning strikes, improper handling of chemicals and other flammable materials, combusting hay or feed, and many other areas. Water allocation is an additional concern with farm properties, since most are located away from water supplies. A farm insurance agency notes these things, along with many other risk factors, when writing a farm insurance policy. Established fire safety programs are essential to reduce these risks and prevent devastating and costly fires. Safety programs should address building and property maintenance, fire prevention and alerts, and evacuation plans.

Farm Machinery Hazards

Farm machinery presents another large safety risk, with many people being injured or even killed each year by this equipment. Machinery such as tractors, harvesting equipment, and other mechanical devices are essential tools; however, they can also be deadly. Avoiding accidents requires the proper maintenance and storage of all equipment, along with thorough training in its proper use being provided to those who operate it. Agricultural businesses should establish a safety program for equipment use and make safety gear available to employees for their protection.

Chemical Hazards

A variety of chemicals are used on agricultural properties for a number of purposes. For the greatest safety, chemicals should always be properly labeled with hazard and safety information and employees should be taught the correct handling of these substances. Proper storage of potentially flammable or combustible chemicals is also required to prevent accidents and injuries. Employees should always handle chemicals with the right protective gear as well. The storage of chemicals could affect a farm insurance policy, so these materials should be stored and used in an approved manner.

Farm Building Hazards

Agricultural buildings themselves are another source of hazard that can lead to accidents, injuries, and loss. It is essential to keep farm buildings sound with proper construction and installation methods along with regular building inspections, maintenance, and any necessary repairs. Electrical systems should be installed by a licensed electrician and include corrosion resistant wiring, protected fixtures and boxes, and proper grounding. Circuit interrupters, which prevent electrocution and fires, should also be installed in these high-use buildings. Extension cords should never replace permanent electrical service; brooder lights or animal equipment should be hung by chains and protected from animal contact. Any insulation used in agricultural buildings should be enclosed behind gypsum or drywall.

While these are just a few of the hazards found on today’s working farms, they are the most common ones. Agricultural safety and loss prevention depends on having a clear understanding of these hazards and working to prevent accidents. When obtaining farm insurance from a qualified farm insurance agency, owners of a farm should discuss their operation in detail in order to identify the most significant risks and how farm safety can be properly maintained!

Insuring Agricultural Property In College Station Texas?

Jones And Associates Is Your Farm Insurance Agency!

Call (979) 599-7532!