Farm Insurance

Farm Insurance and Agricultural Equipment Guide

Anyone who owns or rents a farm or a branch of any size or description, and effectively runs it as a commercial business, needs to have specific areas of insurance directly tailored to their needs.

A farm is essentially a mix of a home and a business, both in terms of buildings, plant and machinery, agricultural vehicles and in terms of workforce.

Specific risk assessments ideally need to be done on all areas of the business, in order to establish levels of risk and which ones are and are not covered by an insurance policy.

This is a general guide to some of the principles that may be helpful when assessing the need for farm insurance.

Farm Insurance – Buildings

As a farm or a ranch is both a home and a business, all buildings and all land including all outbuildings, whether used or not, and any area of land connected with the property at all needs to be included.

Farm Insurance – Crops

Some type of crop insurance may be essential. Check if there are any government schemes available first, and that check what type of risks your policy will cover you against, i.e. hail damage. This is one example

In a lot of insurance policies will offer some type of cover for damage of crops prior to harvesting, which effectively cause severe business interruption. Many policies will exclude cover once crops have been harvested and for various other reasons.

Farm Insurance – Engineering Insurance

Insurance against damage to plant and machinery is essential. Levels of cover differ.

There are normally limitations are stored is determined as plant. A pressure plant is normally defined as a plant that contains a boiler plant, a plant subjects to steam pressure and a plant used to contain fluids under pressure.

Make sure that storage tanks are also included. Also crucial to make sure that clearing up and spillage costs are included, as well as that of debris removal.

Farm Insurance – Deterioration of stock

This area of agents is designed to cover the value of stock that is damaged by risks such as a breakdown in a refrigeration unit or a temporary loss of access to public utilities such as water/electricity or gas resulting in damage to stock.

Makes sure the sums insured for the saleable value of the stock, otherwise under insurance will apply.

Farm insurance – livestock insurance

This type of insurance cover is normally restricted to two main areas, that of death or slaughter on humane grounds, when caused by an insured peril or theft.

The insurance company will normally insist on a strict ‘poultry warranty’ in the policy which stipulates checks on conditions in which poultry are kept, such as electricity supply, extraction systems, temperature variation and mains alarm systems and standby or backup generators.

Farm Insurance – Livestock in Transit

This is designed to cover the cost of livestock fatally injured in any motor accident.

There are likely to be local/national rules concerning the transportation of livestock, and you must make sure these are adhered to. Also make sure that insurance policy covers subcontractors, veterinarians fees and debris removal.

Farm Insurance – Livestock Herd Diseases

This is normally designed to cover you if livestock to be humanely destroyed as the direct result of a specific disease.

The diseases will normally listed or spelt out in the policy, and often include Tuberculosis, Brucellosis and Foot and Mouth.

Farm Insurance – Business Interruption

Any of the losses covered under a farm insurance policy can have a serious knock-on effect in terms of not simply making a business unprofitable, but of interrupting or stopping the business functioning at all for periods of time.

The insurance should provide some cover for this, but will be very specific in terms of what it deems business terminology

Farm insurance – Contractors All Risk Insurance

This area of the insurance policy is designed to give you maximum cover where you are effectively operating as a contractorEither on your own property, or on soils as property or anywhere within the specified geographical limits of the policy.

Farm Insurance – Goods in Transit

This is separate to livestock in transit, and is designed to provide cover for any goods that you may need to move around the locality or nationally, by the doing it yourself or with a subcontractor or haulier.

This area of insurance can be extremely expensive, simply because it is notoriously high risk. The insurance policy is likely to specify exactly what it considers to be high-risk items, and impose strict limits on the value and number of such items can be carried.

There are also likely to be stringent comments regarding security and anti theft measures regarding the goods.

Farm Insurance – Liability Insurance

The type and levels of liability joint required will vary significantly depending upon the nature of the farm and its business. There are a few general areas should be considered.

Farm Insurance –Employer liability.

It is important that as an employer you are fully aware yourself of any local national legal requirements concerning health and safety conditions at work, and make sure that these are fully implemented.

There are quite often specific conditions relating to a farm, as opposed to an industrial complex, and it is crucial is understood. On top of this, as an employer you will need to have specific employers liability insurance.

Make sure all employees including family are included and covered, as well as any subcontractors you might use.

Farm Insurance – Public and Products Liability

Public and product liability insurance often goes together.

The important thing to realise with product liability pretty is that you need to have it in relation to any goods that you have any connection with irrespective of whether you actually produce them are not.

This means that you need products liability insurance in relation to any goods that you store, repair, label test or process or you transport.

Kubota Tractor Control Levers

There have been many attempts by manufacturers of all tractors including Kubota to standardise a number of the control mechanisms and levers that operate or allow an operator to use a Kubota tractor.

This standardisation applies to most modern day Kubota tractors, but care should be taken when operating an older version of a Kubota tractor to ensure that the controls are located in a manner that is understood by the operative of the tractor.

It is a golden rule when using any piece of machinery or operating any vehicle to fully understand the various controls that you need to be able to use. This is important both from a safety aspect, as well as from a simple point of view of be able to use the tractor effectively.

In order to do this a number of controls have been standardised. The brake control on a Kubota tractor, such as the Kubota B series B 2320 HST, will be a foot pedal, which will be located, or should be located on the right-hand side of the Kubota tractor.

In addition there may be a handbrake, which is a leader which would have to be pulled to be engaged, and could be located on either the left-hand or right-hand side of the Kubota tractor

Clutch control is normally by way of a foot pedal. This should be located on the left-hand side of the floor space underneath the steering column or steering wheel of the Kubota tractor.

It is possible that there is a hand operated clutch mechanism, and this may be located on either the right or left hand side of the Kubota tractor if a hand operated clutch is fitted, it must be moved towards the driver in order to be disengaged.

The control layout for floor pedals is similar to that used in a manual or stick shift automobile.

A power takeoff control system is most likely to be a hand operated system, and can be located on either side where the driver sits in the control system of the Kubota tractor.

Kubota Tractor Safety Symbols.

There are a number of symbols that are used throughout the tractor world to symbolise various functions and malfunctions of both the machinery and the operation of the tractor.

These will be fully covered in the operator’s manual or the owners manual of the Kubota tractor that you should have. Any symbol that is unclear to as to its meaning, or seems confusing, make sure you refer to the operator’s manual for clarification.

These are some of the more common symbols and their meaning that are used.

Diesel – there will be a symbol which is normally that of a gasoline pump with a big D in the middle you that the Kubota tractor uses diesel rather than gasoline. When refuelling the Kubota tractor make sure that diesel is used otherwise it could be a very expensive and costly mistake.

There will be a symbol of a man sitting on a chair a strap across his knees remind you to use the seatbelt, if fitted.

Most if not all current Kubota tractors should be fitted with a seatbelt which in conjunction with the rollover protective system is the most effective safety device available to be used which will Kubota tractor, such as the Kubota B series B 2320 HST. There is a temptation or tendency to dismiss a seat belt is being unnecessary.

This part is because of the misconception but a Kubota tractor does not do the speed normally associated with an automobile and therefore a seatbelt is not needed. A seatbelt is needed on a Kubota tractor for two reasons and should always be used. The first does relate to the speed of the Kubota tractor which whilst not matching that of an automobile can nevertheless get up to a significant speed level.

The other reason much more common, is that in the case of an overturn a very tight a seatbelt should help protect the driver of the operator from serious injury.

There will be the common symbol for alert, which is normally found in conjunction with another symbol such as that for the oil gauge. This, in addition with the ammatter symbols are designed to draw attention to the fact that there may be problems with the pressure operation.

If either of these lights come on you should stop the Kubota tractor immediately and seek advice as to how best to deal with the situation.

Kubota Tractor Control Systems

The control lever will work by being moved forward or upwards to engage and backwards or downwards to disengage.

There is a possibility of a combination clutch and PTO control. If this is fitted on a Kubota tractor it will be a foot operated combination which will be on the left-hand side of the floor space underneath the steering column. The operation will most likely be to move the pedal forward and possibly down as well to disengage the clutch and the PTO.

There is a possibility of a combination clutch and brake as well. If this is fitted to a Kubota tractor it will be a foot operated combination which again will also be on the left-hand side of the floor space underneath the exterior columnof a Kubota tractor, such as the Kubota B series B 2320 HST.

There is likely to be some type of control mechanism for regulating the speed of the engine of the Kubota tractor. This is likely to be a hand operated control and is likely to be situated on the right-hand side of the seat where the operator sits in the Kubota tractor.

It is possible that the speed control is also situated near the steering wheel. There can be a difference in terms of the direction the control needs to be moved in in order to increase or decrease the speed of the engine. In which case make sure that the operator of the Kubota tractor is clear about firstly where the engine speed control is, and in which direction it needs to be moved both increase and decrease the speed of the Kubota tractor.

There will be an engine stop control fitted on the Kubota tractor. If this is a key switch, it needs to be rotated anticlockwise in order to stop the engine. If it is more of a pool push control it must be located within 6 inches of the key switch. It will need to be pulled in order to stop the engine.

Kubota Tractors – Multitasking

The phrase multitasking has become commonplace, and is liked and disliked in equal measure by many people. It has a better meaning in an industrial or mechanical sense, and is actually an ideal phrase for understanding the nature and diversity of the work as a modern day Kubota tractor can do. It is not simply that a modern day Kubota tractor can do several tasks at once just for the fun of it because it is more productive.

It is actually in the nature of the work that a Kubota tractor is likely to do on a modern-day form a large area of land, that it is necessary, often vital to be able to manoeuvre several different tasks at the same time. The driver of a Kubota tractor will need to be able to control and use steering controls, shifting controls and use remote hydraulic controls at the same time.

This obviously depends to an extent on the nature of the task, but there are numerous examples where the work of a Kubota tractor will involve negotiating rough terrain or land, whilst engaged in the work that the Kubota tractor, such as the Kubota B series B 2320 HST, is being designed to do.

Over the years all contract manufacturers have tried to standardise as far as possible the type and colour of control needed for different functions within the instrument panel or control panel of the tractor.

As such, if you’re using a modern day Kubota tractor is likely to be standardised with other manufacturers by way of colour coding of various controls, and where those controls are located within the operating cab of the tractor.

Whilst this is true of many modern day tractors, it will not necessarily apply to older tractors which may well still be in use on many farms and agricultural holdings nowadays. It is important therefore when using any Kubota tractor or any tractor by any manufacturer to be clear as to the age and stability of the tractor.

Kubota Safety – Colour Coding

The instrument or control panel on a modern day tractor, including a Kubota tractor can seem almost overwhelming in terms of the number and nature of the controls. To aid in understanding how the Kubota tractor works there are a number of colour-coded systems that differentiate the various controls of the Kubota tractor, thereby making it easier to understand what they are various functions are in running and using the safe operation of a Kubota tractor.

These should be industry-standard colour-coded controls, but in any event check the operation of the Kubota tractor you are to use with an owners manual is available, if not then with an authorised dealer, or similar.

In the context of colour controls for the safe operation of a Kubota tractor, the colour yellow is designated for the various controls which operate and engaged mechanisms that use the tractor as a remote power source. These controls are often known as the PTO controls.

There are a significant number of different uses at a Kubota tractor can be engaged with, and some of these will use attachments or implements that need to be added onto the Kubota tractor before they can be used.

A number of examples are often given as to what colour-coded controls are on a tractor, including a Kubota tractor, such as the Kubota B series B 2320 HST, can be – these include PTO, cutter heads, feed roles, elevators and winches.

By far the most effective way of understanding the various controls of all colours on a Kubota tractor is to find one and play around with them. Playing around means using them and finding them and work out what their usage is with the tractor turned off and not in use. It is also a good idea if possible to find tractors made by other manufacturers and compare similar layouts and controls.

This might initially seem a bit confusing, but will actually give the owner or operator of a Kubota tractor a better felt understanding of the need for different controls, and how different manufacturers approach the layout. A Kubota tractor can vary by make and model from other manufacturers, and it is important for the operator or user of a Kubota tractor to familiarise themselves with the layout and functionality of the controls of the specific Kubota tractor that they will themselves be using.

Kubota command center

The instrument or control panel on any Kubota tractor can seem fairly daunting, as does the instrument or Control Panel on any modern day tractor. As with any piece of agricultural machinery, a modern day Kubota tractor will have a number of display units giving the driver of the Kubota tractor a huge amount of information about the safe and efficient operation of the tractor.

Most modern day tractors of all models have a number of colour-coded systems for identifying the groupings of controls that to certain functions on the tractor. This is an important safety feature, and means that it is easier for someone who has not used or not familiar with a Kubota tractor to identify what the various controls are and what they do.

Even with a colour-coded system, the various controls and control panel can seem quite daunting, and it is important that whoever is driving or operating the Kubota tractor understands what the various controls are and what they do.

The colour-coded system of controls on a Kubota tractor includes the colour orange. Orange is used as a colour to identify a number of controls that include the engine speed, the transmission controls, the parking brake and also the independent emergency brake. These are known in tractor speak as ground motions controls.

A Kubota tractor will be colour-coded if it is new or newish. Older models may not be colour-coded – as such should be carefully checked to see what the various controls are and what they do.

Colour coding is intended to make it easier for the driver of a tractor to automatically relate to certain mechanisms in the instrument panel of the Kubota tractor that are important to know.

The various braking mechanisms and controls that apply in a Kubota tractor are obviously important. Depending on the type and make of the Kubota tractor, it is likely to have both a handbrake and a foot brake or foot pedal. Its layout may well be similar to that of an automobile.

However it is important and ultimately the responsibility of the driver of the Kubota tractor to familiarise themselves with the layout of the cab of the Kubota tractor that they are using, and to know and understand where the various breaking control mechanisms are located.

Kubota Tractors – Emergency Procedures

One of the most important aspects of the safe operation of a Kubota tractor is knowing how to turn the engine off, both as a natural process and in the event of any emergency or hazard taking place.

This is important as the mechanism for shutting off the engine may differ slightly between diesel and gasoline engine tractors, and between modern day and much older Kubota tractors.

Many Kubota tractors are old, simply because many tractors are old.

They tend to last a long time, partly because they are built to, partly because they are expensive both both to and replace, and because people who own a Kubota tractor often take time to find out what is wrong with them and do the maintenance and servicing of older Kubota tractors themselves.

This is an important distinction to make, because the controls for stopping an engine on a modern day Kubota tractor will be a colour-coded red, whereas on older Kubota tractors they may not be.

If you are an owner or operator of an older Kubota tractor that is not colour-coded, then you will need to familiarise yourself with the various control mechanisms for stopping the engine on a Kubota tractor.

Unsurprisingly red is the colour code for the controls that apply to stopping the engine on modern day Kubota tractors that are colour-coded.

There are a number of different possibilities depending on the type of Kubota tractor you own, and it is important to familiarise yourself with the specifics of what the control mechanisms are as outlined in the operator’s manual of the Kubota tractor.

As a general rule on gasoline engines, there are red letters on the key switch. On a diesel engine that is likely to be a red fuel shut-off switch. It is important to remember that on most diesel engines they are stopped with the fuel shut off switch marked by the ignition key.

Some newer diesel engines are also stopped by turning the key in a anti clockwise direction to the off position. It is important to recognise that these are general statements, and it is important to check the specific functioning of your Kubota tractor in order to determine precisely what the mechanisms and controls are for stopping the engine. You need to know this in advance of having to do it.

Kubota Tractor – Clutch or Brake?

When using or operating a Kubota tractor, it is important to familiarise yourself with the layout of the instrument or control panel and know what the various colour controls indicate and what the various mechanisms operating the tractor actually do.

There are a number of controls of the Kubota tractor that determines how to start and stop and drive the tractor, and the operator or driver should be aware of these prior to commencement of the use of the Kubota tractor.

This is important from a safety point of view, because in the event of the driver operator of the Kubota tractor having to make judgements in a fast moving or hazardous situation, they need to be able to react by instinct to an extent. To be able to do this they need to know what the various instruments on the Kubota tractor actually do.

Controls on the Kubota tractor will be colour-coded if the tractor is relatively new. Older models of a Kubota tractor may not be colour-coded in which case the operator will need to familiarise themselves more carefully with what they actually do.

It is also helpful to talk in a general way about the direction in which the controls move when operating a Kubota tractor.

As a general rule, similar to most automobiles, when engaging a break in the Kubota tractor there are two options. When engaging a foot break, the pedal is pushed down. When engaging a handbrake, the lever is pulled.

If there is a foot clutch, this may be unfamiliar to people who are used to driving an automobile or other type of vehicle which will be automatic. As such special care they need to be taken of a Kubota tractor. A clutch is disengaged when it is pushed down, and engaged when the foot is released and the pedal let up.

The other important area of direction of controls on a Kubota tractor concerns the various controls that operate any attachment or implement that may be part of the tractors operating mechanism. In this event it is important to refer to the specific model of Kubota tractor, as well as the type of attachment or implement that is to be used.

The driver or operator of the Kubota tractor should be fully aware of the direction the control needed in order to lift or lower a particular attachment, as well as the direction needed to pull up or push away any movement of the implement.

An understanding of the direction needed for the controls on a Kubota tractor is important, as much of it will be done by instinct wanted becomes established in the mind of the driver or operator of the Kubota tractor.

Kubota Tractor – Yellow to go

Kubota make a wide range of tractors, which come with different engine sizes and are intended for differing levels of severity of work, and different types of land. However they have one thing in common which is that they are all Kubota tractors.

A Kubota tractor will have an instrument panel or control panel that contains a number of instruments or controls that give the driver or operator of the Kubota tractor a significant amount of information about how to operate and control the tractor.

These controls also give the driver warning signs that there might be a problem or a potential danger with the functioning or operation of the Kubota tractor in advance. Such a warning allows the driver or operator to take action to stop such a problem or hazard occurring thus preventing damage to the Kubota tractor and themselves and possibly other people.

Because there are so many controls on a Kubota tractor, and because of their importance, it is necessary to understand the logic of why they are coloured and positioned the way they are.

It has become common within the agricultural industry for tractors to be standardised by way of colour coding for the different controls that exist on any tractor. This applies to new tractors and some older tractors, but there will be many much older tractors that this does not apply to.

The advantage is that any current Kubota tractor, as well as any tractor made by another manufacturer should have standardised colour coding for the different controls.

This means it is much easier for anyone operating a Kubota tractor to know what the controls do, especially if they are used to using another Kubota tractor which has a similar colour coding system, or they are used to driving a tractor made by another manufacturer.

This is an important safety protocol it has been developed and makes obvious sense. The important thing to realise is to know and understand what the different colours do and what they mean.

As a brief guide, the colour red first to stopping the engine on a Kubota tractor. The colour orange refers to what is known as ground motion – engine speed, Park – lock transmission.

The colour yellow first to power engagement, i.e. engaging PTO on a Kubota tractor and the colour black refers to controls that affect the positioning and adjusting the tractor such as checking the engine or turning the lights on.

If the Kubota tractor is old to the point where it doesn’t have a colour-coded system for any of these controls, then it is important that the operator or driver of the Kubota tractor takes time to familiarise themselves with what the controls are and what they do prior to using or operating the Kubota tractor.