Vomitoxin in the Corn: Call your agent or office immediately if you discover vitomoxin in your corn. If hauling directly to town, be sure to have the elevator hold a sample if the load has vomitoxin with level 5.1 parts per million or higher. A notice of loss must be submitted to be eligible for a quality loss. Elevator samples must be picked up by an adjuster.
Our News & Events
What You Need to Know About Farmers Markets
If you’re a farmer, it’s likely you know what a farmersmarket it, even if you’ve never been to one. Did you know that it can be called a farmers market as soon as two farmers are present? Contrary to what some believe, a farmers marketisn’t a free-for-all. Laws and guidelines have been establishedfor each state, andeach market vendor must adhere to them.
Farmers Market Laws You Should Know
Farmers markets began as a community event where local growers sold fruits and vegetables. Over time, the idea has grown. Vendors can now sell meat, honey, jams, pies, and more. Because of its growingpopularity, food safety regulations have been created.
These food safety regulations will be your guide, should you decide to sell (or buy) at a farmers market. (These laws are specific to Indiana. Additionally, each county may havedifferent regulations. Always check with your local health department beforebecoming a vendor.)
Ready-to-Eat or Not?
Ready-to-eat foods are foods that do not require further processing before consuming them. These are things like peaches, tomatoes, and grapes.
Foods that need more processing once they’re purchasedare considered”foods that need further preparation” before being eaten. Some examples are potatoes, beets, and corn.
Because ready-to-eat foods are riskier to consume, they need to be strictlyregulated. They are likelier to be the culprits of contamination. Also, ready-to-eat foods must be handledwith utensils—nobare hands.
Hot Foods vs. Cold Foods
Feel free to take the barbeque party with you to the farmers market. Foods can be cooked on site using proper precautions. Hot foods need to remain hot at 135 degrees.That means no warming trays or slow cookers.
Cold foods need to stay cold. They must be heldat a temperature of 41 degrees or below. Make sure you bring a few bags of ice on a hot summer day.
Packaging and Labeling
A label is requiredfor any packaged foods that include more than two ingredients. Jams or cookies, for instance.
Processed foods cannot be made in a private kitchen and then brought to a farmers market. They must be cooked or baked in a commercial kitchenwhereappropriate inspections have taken place.
Final Tips
- Meat, wild game, poultry, rabbit, dairy, and eggs must be takento and from the farmers market in a refrigeratoror freezer.
- If you’re selling open containers of food, your vendor tent must have a covering over the display area.
- All farmers markets must have hand-washing stations. Hand sanitizing products don’t count.
- Clean all utensils thoroughly at the close of the farmers market or at least every four hours during the day.
Farmers markets are a super fun way to make money and stay connected to your community. It’s the bestplaceto find fresh produce, to boot!
If you plan on taking your crops to your local farmers market, it’s more important than ever to take care of your farm. Give Wathen Insurance a call at 765-676-9666, and we’ll tell you all about how we can help you be the best farmers market vendor ever.
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Prevented Planting
We know it has been a wet spring, and with that thought in mind, we wanted to provide the answers for our clients to some frequently asked questions regarding crops with prevented planting coverage.
Client FAQs
- There are pretty strict limitations on PP acreage as far as trying to get other value out of those acres. If you want to preserve your full PP payment, it’s black dirt or cover crop only.
- If you plant a second crop during the LPP of the PP crop there is NO PP payment.
- If you plant a second crop after the LPP of the PP crop, the PP payment is reduced to 35% of what it would have been. Exceptions to this rule may apply for producers in a double crop area, who have a history of double cropping.
Can I plant a cover crop on the PP acres?
Cover crops may be planted and may be hayed, grazed, cut for silage, haylage, or baleage at any time without impacting the PP payment. However, cover crops cannot be harvested for grain or seed without impacting any potential PP payment. Please note that Corn will not be considered a cover crop on PP acreage. See table below to see how cover crops or volunteer crops may impact PP payments.
Can I rent my PP acreage to my neighbor who wants to plant a cover crop to hay/graze/cut for silage, haylage, or baleage?
Yes. Beginning with 2022 spring crops, it’s now okay to rent to your neighbor for those purposes. Keep in mind, though, that they cannot harvest for grain or seed without impacting any PP payment.
Will my APH database be impacted when I claim and qualify for a PP payment?
The APH database will suffer a yield reduction, but only on acreage where the payment was reduced to 35% because a second crop was planted. Those are the only PP acres that will show in the database and the yield they receive is 60% of the approved yield. PP acreage paid at 100% of the PP guarantee does not impact the APH database at all.
The Back 40 Call
Join the monthly webinar for insider ADM marketing insights on the 4th Tuesday of every month and an opportunity for Question & Answer with ADM Crop Risk Specialists.
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Crop Tissue Testing Can Save Your Farm
During times of uncertainty, whether it's the weather or the economy, humans feel more positive when they have knowledge that puts them in the driver's seat. Gaining control of a scary, unknown future situation helps you prep and plan. This is the exact reason that...
Farm Bill Programs
2021 Information
2022 updates coming soon!
Our Story
The Wathen Family Agency
Wathen Insurance was started in the fall of 1982 by Tom and Joyce Wathen. While running a corn and soybean farming operation themselves, the opportunity to help other producers with their risk management decisions was very intriguing and appealing to Tom and Joyce. With a great deal of Passion and genuine interest in their policyholders the Wathen agency grew beyond their expectations, which provided the next generation of the Wathen’s an opportunity to join the business.
Keeping the business in the family provides for excellent quality control while affording attention to detail. We look forward to providing personalized service for our customers in the pursuit of continued success and who knows maybe our next generation will build upon what we started. Thanking you all for our continued success and wishing you a most prosperous year!
Federal Programs
Margin Protection Program
Margin Protection is a crop insurance coverage option that provides producers with coverage against an unexpected decrease in their operating margin caused by: Reduced county yields Reduced commodity prices Increased price of selected inputs Any combination of the…
PRF Program
PASTURE, RANGELAND, FORAGE The Risk Management Agency (RMA) Pasture, Rangeland, and Forage (PRF) Pilot Insurance Program is designed to provide insurance coverage on your perennial pasture, rangeland, or forage acres. This innovative pilot program is based on…
Area Yield Protection
Area Yield Protection (AYP) is designed as a risk management tool to insure against widespread loss of production of the insured crop in a county. AYP is primarily intended for use by those producers whose farm yield tend to follow the average County Yield. AYP is…
Area Revenue Protection
Area Revenue Protection covers against loss of yield due to county production loss and loss of revenue due to a county level production loss, price decline, or combination of both.
Yield Protection
Yield Protection (YP) and Actual Production History (APH) are multiple-peril crop insurance products that provide protection against losses in yield due to nearly all natural disasters.
Revenue Protection
Revenue Protection (RP) and Revenue Protection with Harvest Price Exclusion (RPHPE) are multiple-peril crop insurance products that are based on the Commodity Exchange Price Provisions (CEPP) prices and protects against production loss, price decline or increase, or a combination of both.
Supplemental Coverage Option
The Supplemental Coverage Option (SCO) is a county-level revenue-based or yield-based optional endorsement that covers a portion of losses not covered by the same crop’s underlying crop insurance policy.
Enhanced Coverage Option
Similar to the Supplemental Coverage Option (SCO), the Enhanced Coverage Option (ECO) is a new crop insurance option that provides additional area-based coverage for a portion of the underlying crop insurance policy deductible.
Livestock Risk Protection (LRP)
Livestock Risk Protection is designed to protect against declining market prices. A variety of coverage levels and insurance periods are offered that match the time the livestock would normally be marketed.
Livestock Gross Margin (LGM)
Livestock Gross Margin Insurance provides protection against the loss of gross margin (market value of livestock, or livestock products, minus feed costs). LGM uses futures prices to determine the expected gross margin and the actual gross margin. The price a producer actually receives at market is not used in these calculations.
Private Programs
Wind
Wind with Extra Harvest Allowance is an optional Crop Hail endorsement that provides coverage for wind, green snap, and extra harvest expense for corn that has blown down due to wind damage. It covers ears that cannot be recovered because of flattening, bending, or breaking of the stalk.
Band Coverage
At its core, BAND Coverage is a risk management tool that protects against shallow losses and provides reliable input cost recovery. A lower deductible translates to a higher trigger for the producer’s indemnity, providing support exactly when it is needed.
Revenue Boost
Revenue Boost is a supplemental policy that pairs with most MPCI plans to provide higher coverage and protection to insureds. Want to protect more margin and build a stronger risk management plan? Ask your agent today about Revenue Boost.
Wathen Insurance
5969 State Road 236
North Salem, Indiana
(800) 564-4088
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Wathen Insurance