5 Tips to Reduce your Cyber Risk

Unfortunately, data breaches and other cyber crimes are becoming way too common. In the past couple years, data breaches have resulted in major fines and legal fees – not to mention headaches – for a discount retail chain, one of the nation’s largest banks, a well-known health insurer, an entertainment network and the federal government. […]

2019 Spring Price Discovery – Corn, Soybeans & Wheat

Allen Pickard earns 2018 Outstanding Service Award for Innovation and Problem Solving

VOLGA, South Dakota – Pickard Insurance Services awarded their 2018 Outstanding Achievements awards at their Year End meeting.  Allen Pickard was presented with the prestigious 2018 Outstanding Service Award on December 14th for Outstanding Innovation and Problem Solving in Crop Insurance. Pickard Insurance Services has recognized their team members for Outstanding Service for the last […]

Donna Horkey earns 2018 Outstanding Service Award for Customer Service

VOLGA, South Dakota – Pickard Insurance Services awarded their 2018 Outstanding Achievements awards at their Year End meeting.  Donna Horkey as presented with the prestigious 2018 Outstanding Customer Service Award on December 14th for outstanding customer service. Pickard Insurance Services has recognized their team members for Outstanding Service for the last two years at their […]

Tips to stay safe during cold weather activities

Chilly snow days are calling your kids outdoors.  Fun winter activities beckon kids of all ages to join on the slopes, trails, ice rink, or backyard.  Check out these safety tips below and be sure to have the hot cocoa ready when everyone comes back inside! Don’t Underestimate the Dangers of Cold Weather Before heading […]

How do I get my MFP Payment?

That’s a GREAT question! We have had many of our producers ask us about the MFP Payment (Tariff) so we decided we would answer some  questions about it. What is the deadline for signup? The sign-up period for MFP payment runs through January 15, 2019. Who is handling this MFP Payment? This short-term relief strategy […]

Enterprise By County

New with the Spring 2019 crop year Risk Management Agency has introduced Enterprise by County (MCEU).  While we currently don’t know a lot about this we will be learning more in the coming months at our Spring Update meetings.  Here is what we do know. Insured will be able to chose EU (Enterprise) by County […]

Records, Records, Records

What is required for crop records? Farming is more than just corn, beans or other crops.  Farming includes records.  Lots of records.  Records for seed sales, fertilizer, planters, combines, tractors, crop rotation, bushels, acres, landlords and the list goes on and on.  SO, when it comes to crop production records, what’s needed?  Let’s break it […]

Harvest Prices … What you need to know!

What does the lower Harvest Prices mean to you?  It means that it will take more bushels to get to your guarantee.    Both Corn and Soybean Harvest prices were lower than the Spring prices.  Corn guarantees will raise approximately 7.6% and Soybeans guarantees will raise approximately 18.1%.  To calculate this, take your APH Guarantee and […]

How do I know if I’m covered for Snow Load?

Winter is the time of year when many coverage gaps become most apparent, and unfortunately for many policyholders, that realization too often comes after an uncovered loss occurs. Would you be surprised to learn that a policy written with Basic causes of loss does not cover the peril of “collapse due to weight of ice, […]

Giving Day {Volunteering}

#GivingDay  For us at Pickard Insurance Services it is more than just a movement, it’s a lifestyle.  Have you joined the movement?  Our family leads by example, and we encourage our employees, and their families to volunteer – whether it’s some of your time, a donation, gift or the power of your voice in your […]

Thankful November

Pickard Insurance Services is taking the month of November to GIVE THANKS.  Here are just a few things that we are thankful for.  All of them will be posted on our Facebook page throughout the month.  Check them out there also. Allen Pickard – “I’m thankful that Jesus died on the cross for me.  I’m […]

Deep Fat Frying a Turkey

Thanks to the Butterball website for these instructions! Deep-Frying Indoors Using an electric fryer indoors is a great way to get that crispy texture and delicious flavor without having to brave the elements. Given the high temperatures and dangers, be sure to follow these simple instructions: Completely thaw your turkey, or use a fresh turkey. […]

What affects my Auto Insurance Rates?

Know what impacts your rates! Rating factors (meaning what do insurance companies look at when they determine your insurance rates). Your age How many miles you drive annually Car make, model, and age Getting a speeding violation or DUI Causing a car accident How many people are insured on a single policy Where you live […]

2018 Harvest Price Discovery – Corn & Soybeans

Can I save money knowing the different types of Insurance Deductibles?

What are the different types of home insurance deductible? Insurance deductible refers to the dollar value you’ll pay out of pocket before your insurance company covers the rest of the money for a claim. When it comes to homeowner’s insurance, it’s not always quite that simple.  Homeowner’s insurance policies can have three different types of […]

USDA Launches Trade Mitigation Programs

Information below provided by USDA’s Farm Service Agency and subject to change. USDA’s Farm Service Agency (FSA) will administer the Market Facilitation Program (MFP) to provide payments to corn, dairy, hog, sorghum, soybean, and wheat producers. The sign-up period for MFP is now open and runs through Jan. 15, 2019, with information and instructions provided […]

2018 Harvest Price Discovery – Wheat

Back to School Safety

It is hard to believe that the new school years is upon us.  As a parent, you are either jumping for joy or dreading every moment of it (I tend to be in the “dread” column). It is important the we all take a little time to review some safety tips to keep all our […]

Garage Sales – Clean out, make money—but protect yourself

A garage sale is a great way to rid your home of unwanted items and potentially make a little money at the same time. In fact, homeowners commonly put on garage sales once a year or when moving from one home to another for those very reasons. However, before conducting your sale, you should review […]

My basement flooded. My insurance says its not covered.   Can I get flood insurance?

You can give your home more protection, so you have peace-of-mind For many homeowners, flood insurance is an essential extra layer of protection. Adding flood insurance to your insurance package means you’re covered if groundwater rises and floods your home—a situation that isn’t usually covered by home policies. Why flood insurance might be a must-have […]

Why wasn’t my insurance claim check bigger?

My coverage was for more than that wasn’t it? As an auto or home policyholder, many of us forgo reading the fine print when it comes to our policies.  However, you should be aware of some basic differences in coverage, the devil is in the details, as they say. Actual Cash Value (ACV) vs Replacement […]

What are the principal types of life insurance?

There are two major types of life insurance, term and whole life. Whole life is sometimes called permanent life insurance, and it encompasses several subcategories, including traditional whole life, universal life, variable life and variable universal life. The information below focuses on life insurance sold to individuals. Term Term Insurance is the simplest form of […]

Livestock Risk Protection

What is Livestock Risk Protection? (Sleep Insurance) Livestock risk protection insurance (LRP) is a price insurance policy developed as a price risk management tool for feeder cattle, fed cattle and swine. LRP provides a method to establish a floor selling price for livestock, and it protects against catastrophic price declines. For feeder cattle, an LRP […]

Pasture Range Forage (PRF)

The More You Know … what is Pasture Range Forage (PRF) What is Pasture Range Forage? The PRF policy is an area-based insurance plan that covers perennial pasture, rangeland, or forage used to feed livestock. It provides producers a risk management tool to cover the precipitation needed to produce forage for their operation. What does […]