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    Business

    Farm Commons

    We explore real legal issues faced on farms every day, providing key knowledge and tangible solutions to help you grow a thriving agricultural business.

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    Copyright: © 2022 Farm Commons

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    Latest Episodes:
    Episode 58: Farmers Dig In to Crop Insurance Mar 30, 2023
    Show notes

    Deciding on which insurance policies to pursue can feel like a puzzle, and crop insurance is no exception. At Farm Commons, we believe that an informed decision is an effective decision. With the recent update to the federal Micro Farm crop insurance program, farmers and ranchers are building on their deep wisdom about what's best for their businesses by asking key questions to make an informed decision on whether or not to pursue coverage through this program. In this episode, Kate and Bonita share feedback from farmers about the Micro Farm crop insurance program and why it would or wouldn't work for their business. Tune in to learn their thoughts!

    This episode builds on the legal background of the Micro Farm policy and Whole Farm Revenue Protection crop insurance program shared in Episode 47: Crop Insurance Options for Diversified Farms and Ranches.

    This material is funded in partnership by USDA, Risk Management Agency, under award number RMA22CPT0012392.


    Episode 57: Understanding Liability Insurance Coverage and Claims Mar 20, 2023
    Show notes

    Do you have liability insurance that covers the operations on your farm or ranch? If so, what's your understanding of what that insurance covers? Do you know what steps you need to to take if and when you need to file a claim? If you're not sure or you need a refresher, don't worry and tune in!

    In this episode, we explain what crop and livestock insurance and other liability insurance policies typically cover and what they don't. We also review what you can expect from the claims filing process and how to manage the steps of filing a claim while in the midst of a stressful loss on the farm or ranch. Listeners will take away best practices for understanding your coverage and key skills for when it's time to file a claim.

    This material is funded in partnership by USDA, Risk Management Agency, under award number RMA22CPT0012392.


    Episode 56: Strategies for Paying Yourself as a Business Owner Mar 14, 2023
    Show notes

    Figuring out how to pay yourself effectively can be daunting- don't do it alone! In this episode, Kate, Eva, and Rachel explore the two main was business owners can pay themselves: owner's draw and salary. Each has benefits and drawbacks, and you may need to use one or the other depending on your business structure. Tune in to learn how to pay yourself in alignment with accounting responsibilities and your business and personal goals. Along the way we share real stories and insights into managing this essential aspect of running your own business!

    This work is supported by the Farm and Ranch Stress Assistance Network (FRSAN), grant no. 2021-70035-35372/project accession no. 1027099, from the U.S. Department of Agriculture, National Institute of Food and Agriculture.


    Episode 55: Leaning into LLC's with Farmer Hannah Feb 24, 2023
    Show notes

    Hannah Hamilton (she/her) and her husband, Jim Buckle, are committed to raising healthy, vibrant soils and food at their farm in Unity, Maine. Almost a decade in business has taught them important lessons about business resilience, healthy relationships, and how to think about failure. In this episode, Hannah shares about The Buckle Farm’s journey toward forming a limited liability company (LLC), and why this formal business structure represents a renewed commitment to the land they love in addition to providing personal asset protection. Farm Commons is grateful to have worked with Hannah as a co-presenter of our Discovering Resilience workshop with MOFGA in 2020 and as a member of the 2022 Collaborative Learning Fellowship.

    Check out The Buckle Farm to follow Hannah and Jim's story.

    Here’s what Hannah had to say about her experience telling her story of farm resilience:

    In sharing your farm resilience story, what are you most grateful for from that experience?

    My time as a Farm Commons Fellow allowed me to uncover my farm’s resiliency story in a way my partner and I wouldn’t have been able to on our own. It was so valuable to have dedicated, trustworthy time with peers to process all of the different parts of my farm’s business journey and work to the heart of our farm’s story. It was eye opening to lay it all out and realize how far our farm has actually come in the past eight years.

    Did you encounter any challenges in sharing your story? What was that like?

    At first it was difficult to think of my story’s full arc. Partly because I tend to compartmentalize my farming struggles into individual stories, and partly because I tent to downplay the value of my experiences in farming. Some aspects of farming were very difficult to share, very emotional. Even as the Fellows group was working together over the course of months, unexpected challenges and heartbreaks were popping up in our lives. Finding the common values, struggles, pain and joy in the stories of my peers helped me embrace my own story and see that it may offer some real meaning and encouragement to another farmer.

    What did the storytelling journey illuminate for you? What are you seeing differently as a result of this experience?

    It’s easy to always look at the goals that you are aspiring to, and to forget the goals that you’ve already achieved. This journey helped me understand that my partner and I have been thinking about and working towards farm resilience from day one. We’ve improved our understanding of farm resilience, connected to better resources and set higher goals along the way, and this process was extremely affirming.

    What is your hope for folks who hear your story?

    I hope that folks realize that while many experiences with farming and business are shared, every farm has a unique path to success and resilience. Peer-based resources are a type of skill sharing that connects practical advice and preparedness with the emotional aspects of navigating a farm business. I think it’s important for fellow farmers to have resources that acknowledge and embrace the emotional complexity of farming rather than strip the idea of “farm resilience” down to a technical prescription. We’ve benefitted so much from having mentors and peers to learn from throughout our journey, and it feels good to start passing our farm’s story on.


    Episode 54: Addressing Discrimination in Crop and Livestock Insurance Feb 08, 2023
    Show notes

    Discrimination pervades many areas of life, and agriculture is no exception. While discrimination in the areas of farmland access and agricultural lending are well documented, discrimination in insurance is not often addressed. If you’ve encountered issues purchasing or updating a federal crop or livestock insurance policy, or had a claim denied when a peer with similar circumstances had theirs approved, you may be wondering if discrimination is at play. In this episode we take a hard look at how discrimination can occur at the stages of purchasing, updating, or making a claim on federal crop and livestock insurance, and what you can do about it. You’ll walk away from this episode understanding how to spot discrimination and options for filing a complaint and moving forward if you suspect discrimination has occurred.

    Additional resources:

    RMA Agent Locator

    This material is funded in partnership by USDA, Risk Management Agency, under award number RMA22CPT0012392.


    Episode 53: Getting on a Roll with Payroll Jan 10, 2023
    Show notes

    Running payroll can be a confusing and frustratingly bureaucratic process for farmers and ranchers attempting to do it independently, but it doesn't have to be! In this episode we explore ways that farmers and ranchers can alleviate the administrative burdens of payroll. We discuss the pros and cons of solutions like payroll services, DIY payroll, and cross-farm cooperatives.

    Additional resources:

    • Publication 51- Agricultural Employer's Tax Guide
    • Farmers' Guide to Shared Labor Arrangements

    This work is supported by the Farm and Ranch Stress Assistance Network (FRSAN), grant no. 2021-70035-35372/project accession no. 1027099, from the U.S. Department of Agriculture, National Institute of Food and Agriculture.


    Episode 52: Strategies for Covering Farm and Ranch Owner Injuries Jan 06, 2023
    Show notes

    As a farmer or rancher, you’re probably familiar with insurance for covering your workers from the risk of injuries at work. This includes workers’ compensation, which you may be required to have, and optional health insurance packages. However, what about your injuries? Are you covered in the case of injury from self-employment? Sometimes health insurance policies will exclude injuries that occur in the course of self-employment from coverage. This is where workers’ compensation comes in as a powerful option for you as the farm or ranch owner. In this episode we explain the pros and cons of private health insurance and workers’ compensation, providing insights into how the two policies can work together.

    This material is funded in partnership by USDA, Risk Management Agency, under award number RMA22CPT0012392.


    Episode 51: Legal Considerations for Working Interviews Dec 05, 2022
    Show notes

    Working interviews, also known as trial interviews, can be an excellent way for both employers and prospective employees to learn if a job is the right fit. Tune in to learn about some risk management techniques to consider when using working interviews on your farm or ranch! In this episode we revisit the fact that anyone who does the work of a for-profit business is likely an employee, and we explore what that means for prospective employees during working interviews.

    Action steps:

    Read our Selected Essentials in Farm Employment Law to learn the laws in your state

    Sign up for our Advanced Farm Employment Law course to learn the best practices of hiring employees


    Episode 50: Protecting Your Foraged and Wild Foods Revenue Nov 21, 2022
    Show notes

    While Whole Farm Revenue Protection and the new Micro Farm Policy option provide more flexible crop insurance coverage options for small scale diversified farms, there are still crops that remain outside of coverage bounds. This is the case for foraged and wild foods products-- those ramps, wild mushrooms, pawpaws, nuts, and medicinal herbs growing wild but made available on the market by foragers. Many farmers and ranchers forage for these plants as there is a viable market willing to pay top dollar for these special products. However, these wild foods, just like row crops, are at risk of failure due to climate, disease, and pest pressure. So what can producers do to manage the risk of lost revenue from wild foods products? We’ve got 3 best practices to share with you in this episode.

    Recommended resources:

    • Episode 47: Crop Insurance for Diversified Farms and Ranches
    • RMA Crop Insurance Database
    • Farmers' Legal Guide to Botanical Products

    This material is funded in partnership by USDA, Risk Management Agency, under award number RMA22CPT0012392.


    Episode 49: Legally Sound Internships on Your Farm Nov 04, 2022
    Show notes

    The answer to questions like "Can I have an intern on my farm?" and "Does it matter what I pay them?" is actually quite straightforward. Before we get there, though, we clear the air about what an intern is in the eyes of the law and guide farm and ranch business owners through understanding whether their "intern" is actually a legal employee.

    Action steps:

    Read the Farmers' Legal Guide to Intern and Volunteer Programs

    This work is supported by the Farm and Ranch Stress Assistance Network (FRSAN), grant no. 2021-70035-35372/project accession no. 1027099, from the U.S. Department of Agriculture, National Institute of Food and Agriculture.


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