Zach Miller, Farm Bureau Financial Services Agent

05/28/2026

A lot of Nebraska farm operations aren't legally required to carry workers' compensation. A lot of farmers take that to mean they don't need to worry about it. That's not quite right. If a seasonal worker gets hurt on your operation, you can still be held personally liable. Your farm liability policy may cover some of that, but there are limits and exclusions that matter. Before you bring on help for planting season, it's worth knowing exactly where you stand. Message me and we'll walk through it.

05/27/2026

Daycares, salons, photography studios, bookkeeping, online retail, if any part of your business runs out of your house, your homeowner's policy likely has gaps you don't know about. Business equipment damage and client liability are two of the biggest ones. A simple endorsement or small business policy can fill those gaps without breaking the bank.

05/26/2026

Auto insurance follows the car, not the driver. So when you lend your vehicle to someone, a friend, a family member, a coworker and they get into an accident, your policy is on the hook first. Their insurance may help cover what's left over, but yours takes the hit. Good to know before you say yes.

05/22/2026

We love being a part of Fixins in the Field every spring and fall. Thanks My Country 106 Kix for giving back to the farmers and letting us be a part of it!

Always a good day when we deliver Fixins in the Field. Thanks to Chuck and Lorie for having us out!

05/22/2026

Spring storms can knock out power, destroy a building, or force you to close for days. Your property insurance covers the damage. But who covers the income you lost while the doors were shut?
That's a separate coverage, and a question most business owners have never thought to ask.

05/21/2026

Grain bins and machine sheds are some of the most expensive things on a farm to rebuild, and some of the most overlooked on a policy. If yours were damaged in a storm tonight, would your coverage be enough to get you back up and running before harvest? Worth finding out now.

05/20/2026

A lot of homeowners focus on what their policy pays to fix the house. Almost nobody asks what happens to their family while that's happening. Hotel rooms add up fast. Knowing your loss of use limit ahead of time is one of those things you'll be really glad you did.

05/19/2026

Nebraska spring storms don't mess around. Hail, wind, falling trees, these are comprehensive claims, not collision. If you dropped comprehensive to save money, your car is sitting unprotected right now. Worth knowing before the next storm rolls through.

05/18/2026

Spring is a good time to take stock of where you are. If your salary, your mortgage, or your family has grown since you last looked at your life insurance, it's probably time to revisit it.
Message me and I'll tell you straight whether you're in good shape or not.

05/15/2026

Theft from job sites and work trucks is more common than most people think. And most contractors assume they're covered, until they file a claim and find out they're not. If your livelihood depends on your tools, let's make sure they're protected. Message me.