FOR IMMEDIATE RELEASE: April 15, 2026

Media Contact Information:
Carrie Skogsberg
(309) 821-4175
news@countryfinancial.com
 

Farm equipment collisions are most common claim for COUNTRY Financial® farm clients during planting season; COUNTRY encourages farmers to focus on safety and preparedness

 
As planting season begins and farmers head back into the fields, COUNTRY Financial is encouraging the agricultural community to prioritize safety and check on farm insurance coverages. Taking proactive steps now can help reduce accidents, prevent breakdowns and protect farm operations during one of the busiest times of the year.

COUNTRY received more than 180 farm equipment collision claims between the months of March and June 2025. These claims include collisions on the road with other vehicles, as well as collisions with buildings or other equipment on the farm. 

“The planting window is short, and farmers can’t afford to lose time to setbacks from accidents, which unfortunately can happen when rushed or not prepared,” said Zack Hinthorn, agribusiness underwriter at COUNTRY. “Taking time now, before the rush begins, keeps farmers safe and operations running smoothly.”

Hinthorn shares the following tips for a safe and successful planting season: 

Improve visibility on the road 
 

Accidents involving farm equipment often occur at dawn or dusk during peak commuting hours, especially when motorists attempt to pass slow-moving vehicles or do not anticipate turns or stops. Use flashing lights, ensure reflective tape and Slow-Moving Vehicle emblems are clean and confirm all lights are functioning properly to help maximize visibility and reduce risk. Remember to use turn signals, as drivers often misinterpret a tractor moving to the right side of the road before making a left turn. 

Drivers should plan ahead during the busy planting season, remembering that farmers will be on the road and allowing for extra time. Slow down, stay focused on the road and look for the lights on farm vehicles.

Prepare equipment 

Equipment malfunctions are a common cause of farm accidents. Thoroughly inspect and maintain all farm equipment before hitting the fields. Regular maintenance such as checking worn parts, replacing filters and lubricating moving components can reduce unexpected breakdowns and improve overall safety.

Take extra caution when handling chemicals

Chemical safety is another critical focus during planting season. Review safe handling procedures for fertilizers, pesticides and other hazardous materials with all farm workers to help ensure everyone is aligned on proper protocols. Have Safety Data Sheets (SDS) on-hand in case of emergency and ensure the use of personal protective equipment, including gloves, goggles and masks. 

“Safety on the farm isn’t just about equipment—it’s about awareness, communication and looking out for one another,” Hinthorn said. “Refreshing safety practices each season helps prevent injuries and protects everyone involved.”

Prevent theft 

Theft of tools, chemicals and other personal property is common during planting season and can occur when equipment is left unlocked in the field, and when farmers are in and out of sheds frequently and don’t close and lock the doors. Take time to ensure valuable items are secured. 

Check insurance coverage and review extra coverage options 

Farmers should check their farm insurance coverages to be sure they have the right endorsements and coverages. For example, with Extra Expense coverage, a farmer who has a covered loss on a piece of equipment may be able to receive additional payment to rent equipment and resume operations. Farmers who sell seed corn need to purchase additional coverage. Check farm inventory lists to be sure they are accurate and up-to-date, especially if you have sold or purchased new equipment. 

Meeting with an insurance agent to discuss equipment, buildings, livestock, crops and employees can help ensure proper protections are in place and that any recent changes to operations are addressed.

Take care of your health 

Finally, farmers are encouraged to prioritize their health and wellbeing. Long hours and physical demands can take a toll, making it important to take breaks, eat healthy meals, get enough rest and understand how medications may affect alertness. Let family members or employees know where you’re working and keep a phone or walkie‑talkie nearby in case of emergency.

Taking time to prepare for a safe planting season helps prevent accidents, reduce stress and protect against the unexpected. 

COUNTRY Financial has been protecting farms for more than 100 years and has more than 400 Farm Certified representatives ready to serve farmers’ crop, farm and liability insurance needs.

For more information, visit countryfinancial.com/farm.

Policies issued by COUNTRY Mutual Insurance Company®, Bloomington, IL, an equal opportunity provider.

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