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There are fewer farms, but larger ones, maintaining production in practically 

 every section of the country. It is a common situation. 



Nov;here are growers able to coast along comfortably in the same old way of 

 doing things. Changes have to be met, head on, and adjustments thought 

 out in the current scheme of things. No area is immune to change. 



There is no reason why those who like New England as a place to live and 

 fruit growing as a vocation cannot plan on a favorable business opportunity 

 with good business management and attention to the necessary details of production 

 and marketing. 



Those who have faith in New England fruit growing have a faith that is 

 well founded. It is their opportunity to have a good business and like it tool 



F. E. Cole 



I I I I I I I I I I I I I I I I 



TAICE A LOOK AT YOUR INSURANCE PROGRAI'l - 



VJith Costs of growing fruit still at high levels, fruit growers may well be 

 concerned with ways of protecting themsleves against disaster. One way of 

 spreading risk is to buy insurance. 



On your orchard consider using hail insurance. If you have had any past 

 history of hail damage then hail insurance is something to be considered. 



Your insurance agent may be able to offer you several types of policies. 

 You may insure only certain blocks of trees rather than the entire orchard. Rates 

 may vary and may seem high but losses can be substantial, too. 



Fire insurance on your buildings and equipment--higher construction costs 

 and higher costs of equipment may mean that adequate insurance would require 

 larger policies. If you store the crop on the farm ask about a "schedule" 

 policy which requires you to file a monthly inventory of fruit on hand. You 

 pay insurance on the apples you have while you have them and not on apples 

 after they move to market. It usually means good protection if for proper 

 amounts and usually lower cost of insurance. 



If you move your equipment to several farms, ask about "blanket" or "floater" 

 insurance on equipment instead of including it on your fire insurance policy. 



Suits for injury or damage to people or their property have been becoming 

 more frequent so consider Public Liability insurance on your premises in a 

 Farmer's Comprehensive Insurance policy or a General Comprehensive Policy. 

 Particularly important if you have visitors coming to the farm. 



Consider Workmen's Compensation insurance to protect you in the event 

 your employees are injured on the job. 



