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Farm Insurance That Truly Protects Farms w/ Bonnie Kluthe of First Acre Insurance

Reference: Impact Farming

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Farm Insurance That Truly Protects Farms with Bonnie Kluthe of First Acre Insurance

In this episode, we sit down with Bonnie Kluthe of First Acre Insurance, to talk about “Farm Insurance That Truly Protects Farms.”

We explore common insurance pitfalls, real stories of farmers who’ve faced losses and haven’t been fully protected, and how First Acre is helping farmers protect their livelihood with clarity and confidence.

What You’ll Learn in This Episode:
  • First Acre Insurance and their mission
  • The types of farms, equipment, and operations First Acre insures
  • Common challenges farmers face with traditional insurance and why insurance coverage gaps are often discovered too late
  • How First Acre redesigned farm insurance to reflect modern farming realities and operations
  • The importance of agreed value insurance and why it’s a game-changer
  • Real-life examples of farmers who benefited from their coverage
  • Tips on balancing cost, coverage, and deductibles
  • Emerging risks in farming and what farmers need to be aware of

Timestamps:

First Acre Insurance Introduction

[0:00] –
Welcome and episode introduction
[1:25] – About Bonnie, her role, and more about First Acre Insurance
[3:28] – How is First Acre different & types of farming operations insured
[6:28] – Why First Acre Insurance?

Farmers - Why First Acre?

[9:07] – Common insurance headaches farmers face
[15:00] – Traditional insurance & common shortfalls
[17:57] – Agreed value insurance. This is game changing
[19:17] – How First Acre Insurance is making farm insurance easier for brokers and their farm customers

Innovative Insurance Benefits:

[23:00] – Benefits of First Acre Insurance vs. traditional companies
[24:57] – What agreed value insurance means for farmers. This is important.
[29:30] – Peak season coverage (Fluctuating Seasonal Inventories)
[32:20] – Digital Site Mapping
[33:40] – Wellness and legal benefit on policy
[36:30] – Real time machinery evaluations to ensure accurate coverage
[39:00] – Handling complex, multi-site farm operations
[49:50] – Loss of use
[43:50] – Balancing cost, coverage, deductibles
[47:20] – Farmers can purchase directly through insurance agencies (visit website for map)
[49:30] – Real story of a farmer facing a loss and the impact of First Acre’s approach
[53:30] – Biggest emerging insurance risks in Canadian farming
[55:40] – Land liability and big risks to farms
[57:00] – Protecting farmers and their assets
[58:08] – How farmers can get more information or move their coverage to First Acre

If you’re a farmer or farm operator looking to protect your livelihood with insurance that actually reflects how you run your farm, check out First Acre Insurance today. Visit their website for guidance tailored to your farm’s needs.

Thanks for tuning in,
Tracy

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🔗 Resources & Links:



Learn more about First Acre Insurance:
https://firstacre.ca
 
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Show Guest:

Bonnie Kluthe
Vice President, Business Development at First Acre Insurance



Bonnie Kluthe, based in Alberta, Canada, is currently a Vice President Business Development at First Acre Insurance. Bonnie Kluthe brings experience from previous roles at First Acre Insurance, Foster Park Brokers Inc., Geoponic Insurance Solutions and AgPro Insurance. Bonnie Kluthe holds a 2005 - 2016 FCIP in Risk Management Major @ University of Alberta. With a robust skill set that includes Insurance, Commercial Lines, Commercial Insurance, General Insurance, Property & Casualty Insurance and more.

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⚠️ Disclaimer - As always, this information is not intended to provide business or medical advice. To ensure that your own circumstances have been properly considered and that action is taken based on the latest information available, you should obtain professional advice from qualified business or medical professionals before acting on any of the information in this post.
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The Impact Farming Show

Welcome to Impact Farming, Farm Marketer's video and audio show dedicated to helping Canadian farmers excel in the business of farming. Our goal with this show is to introduce our audience to the people and ideas that are going to make an IMPACT on their farming operation. 

Show Host - Tracy Brunet
CEO of Farm Marketer 

Tracy and her husband are cattle ranchers in South East, Manitoba. As host of the show, primary producer and agvocate, Tracy is passionate about helping farmers succeed in the business of farming. 

In each episode, Tracy chats with today's most successful farm advisors and industry leaders to bring our audience the best and most important ideas. 

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