Farm and Rural Issues


Sep 22, 2022

by Mark Wilson

Our ‘Why I Chose  FBN ’ series features stories from employees across different roles, teams, and geographies on how they got to  FBN , what it’s like to work here, and how their teams help fulfill our mission of putting Farmers First®. When did you join FBN , what is your current role at FBN , where are you based, and what are your responsibilities? I joined FBN back in May 2021 and I am about a 5 minute drive from the San Carlos, California headquarters. My current title is HR Coordinator and some of my responsibilities include onboarding new hires, assisting with relocations, background checks, and managing employee requests. What was your previous work experience before joining FBN ? My previous experience before FBN was in fitness and sales. What did you first find compelling about FBN that led you to want to learn more?  When I was job searching it was hard to find a company that’s mission stood out to me. Living in the Bay Area, you see and hear of all these big tech companies but it felt like very little of them had a mission that would make me feel a part of something significant. FBN gave me just that.  Why did you ultimately decide to join FBN ? What did this thought process look like for you? I wanted to gain HR experience and the HR Coordinator position felt like the perfect role to get me through the door. That, along with FBN’s mission- it all led to me prepare intensely for the interview process. Thankfully it was all worth it! Now that you’ve joined, how would you describe life at FBN ? Life at FBN is an adventure. I’ve had quite the journey here so far; full of growth, exposure and building confidence. I think FBN has pushed me to challenge myself and go above and beyond to learn and grow whatever I can. It can definitely be a bit chaotic at times but it’s allowed me to become the employee I am today. Not to mention the type of employees FBN has. I have never worked for a company that has employees as friendly as FBN does. What kind of impact are you and your team having on the company’s future? The Total Rewards, Systems and Operations team is making moves! We have a lot of new folks on the team but they came in running and ready to make progress where needed.  We are a strong, well rounded team now and it shows. Right now, we are preparing for open enrollment, strengthening our People Operations team and employee service center. All in the hopes of making our employee’s experiences better. Why do you celebrate Hispanic Heritage Month? Besides being latina and having a whole month that celebrates my people and culture, I celebrate Hispanic Heritage Month because it gives opportunity to non-latino folks to learn more about not only the beauty of our culture but also the challenges one faces growing up latino in the United States. I think often people don’t realize how different our experiences can be and I think it’s awesome to have an opportunity to highlight those differences as it will allow room for compassion and understanding.  What has your experience been like with FBN's Adelante! ERG? Adelante has been one of my greatest accomplishments at FBN . Looking at where we started back in October 2021 to where we are now, the amount of engagement and leadership opportunities that have come from being a co-lead is amazing. We have a phenomenal group of people that share similar backgrounds or know people with similar backgrounds and it’s been great to be able to hear everyone’s stories and have a place to talk about our culture.  We know you have a life outside of work - what kinds of things do you do for fun? Fun? What’s that? Haha! But in all seriousness-I love trying new foods, going to the gym, watching movies, learning how to make cocktails, and snuggling my dogs.  What’s one piece of advice you would give to someone considering FBN ? For someone considering FBN , I’ll let them know the pace at FBN is quick! Change is consistent here and one has to be able to adjust. Some people thrive in those environments and my advice would be to use it as a tool when joining to help create change where needed! What is one thing you are looking forward to in the future at FBN ? Personally, I’m excited to see how much our People Operations team evolves; however, as a whole, I’m excited to see how FBN will continue to grow and be recognized. Copyright © 2014 - 2022 Farmer's Business Network, Inc. All rights Reserved. The sprout logo, Farmers First flag logo, "Farmers Business Network," "FBN," and "Farmers First" are registered trademarks of Farmer's Business Network, Inc. or its affiliates. All other trademarks are the property of their respective owners. Terms and conditions apply.


Sep 20, 2022

by Heather Stone

Farmers face many hazards and opportunities to reduce risk on their farm, especially during harvest. Sometimes when we take a risk, we think the “stories” we hear won’t happen to us. I’d like to challenge you to think about whether you know of people, families, or communities impacted by losing a loved one on the farm.  Around this time last year my father-in-law told me about a man that had died in an accident on his farm. My father-in-law told me the man was well liked at his company and in his farming community.  He entered a silo to make a repair and subsequently was found dead, submerged in grain.  Plan for a Safe Harvest  Farming takes a great deal of planning, forecasting, research and hard work in order to maximize potential profit. Farming safely requires even more effort but the outcome is significantly different; “maximizing potential” means you go home unharmed to your family each day. Below are some areas to focus on while you develop your plan for harvest. 1. Grain bins and silos Are confined spaces with hazards that can change in the blink of an eye. Don’t work alone if you must enter them, use the buddy system. Recognize and discuss the hazards prior to performing the job. Plan for the hazards that you know are present such as:  Suffocation from engulfment or entrapment Explosions due to high amounts of grain dust Falls from heights Crushing and amputation from grain equipment  2. Equipment Should be made harvest ready at least several weeks before harvest or during the off-season. Review operation manuals and follow the manufacturer's guidelines.   Never overlook safety labels because oftentimes they bring attention to hidden hazards such as energized areas, moving parts, or pinch points. Do not modify equipment. Are all the machine guarding and shields in place?  If not, why not?   Powered-take off (PTO) injuries are common on the farm,  according to the National Agricultural Safety Database (NASD), shielding is absent or damaged in 70% of the injuries . Farm workers should wear well-fitted clothing to prevent entanglement in farming equipment.  3. Overhead power-lines  Can be dangerous when working with tall equipment. Do you and your farm workers know where your overhead power-lines are? You should check for changes and sagging that may have occurred during the off-season. You can ask local utility companies to help determine the height of overhead lines on your farm.   Many types of farm equipment have risks of contacting overhead lines such as tractors with front end loaders, equipment with antennas, portable grain-augers, etc. NASD recommends if your equipment contacts an overhead like stay put and call for help.  If there is an emergency, jump as far away from the equipment as possible. Never allow any body part to touch the equipment and the ground at the same time. Do not get back on the equipment until the utility company has removed the hazard.  4. Corn pickers, combines, tractors Are big machines with lots of moving parts. Do you know what types of equipment can cause serious injuries on your farm?  If corn pickers and combines are clogged, train farm workers to turn the equipment off, ensure it's fully stopped, then attempt to free debris.   Inform workers of pinch points where clothing, fingers, and legs can get caught. Always use the handrails to mount and dismount the equipment. Keep the steps free of dirt to avoid slips and falls. Do you have wells, equipment, gates, above ground pipelines, etc. marked to ensure safe turning of your equipment?  Tractor accidents in farming tend to lead to serious if not fatal injuries. According to the Occupational Safety and Health Administration (OSHA) , “An operator's chance of surviving a tractor turnover without a serious injury is good if the tractor has a roll-over protective structure (ROPS) and the operator is wearing a seat belt.”   5. Agricultural equipment on public roads  Have Federal and State regulations. You must know the specific regulations you are required to meet for lighting and marking prior to getting on public roads. New agricultural equipment that will be operated on a public road must meet standards set forth in ANSI/ASAE 279.14 JUL2008 “ Lighting and Marking of Agricultural Equipment on Highways .”   Some additional things to plan for prior to getting farm equipment on roads are:    Can the equipment be moved on public roads during daylight hours to avoid driving in the dark?  Do you know the towing capacity of your equipment, correct hitches and chaining?  Weight and towing affects speed. Have you communicated that with all drivers?  Plan and discuss dual brake pedals, climbing and descending hills, lane usage, etc. Don’t assume that your workers know how to safely drive on public roads. 6. Feeling tired Stop and take a break.  If you're not getting enough sleep it can become a safety hazard. When you're tired your reaction time is slower, you can have trouble remembering things, and are at risk of falling asleep on the job. Several studies show lack of sleep and being tired can be compared to being drunk. NIOSH posted a study that states b eing awake for 17 hours is similar to having a blood alcohol content of 0.05%. 7. Hydration and good nutrition Is vital to keep yourself healthy during harvest. Eating small snacks, not skipping meals, and staying hydrated is important. Implementing these habits during harvest will provide continuous energy to cope with busy, stressful, and long workdays. Don’t forget your sleep! 8. Additional safety topics to consider for harvest  Adequate lighting during pre-dawn and after dusk activities.  Temperatures still get high during Fall months. Plan to bring enough water for the day, even though the mornings may be cooler. Have a plan for equipment breakdowns and maintenance.  If you are working alone, always be sure someone knows where you will be during the day.  Have a plan if you are injured or equipment breaks down. Have personal protective equipment purchased and ready. For example, respirators that meet NIOSH N95 requirements to prevent inhalation of grain dust. Clear debris from roads on your farm. Check your roads for potholes and ruts that can unbalance heavy equipment.  Make sure there is supervision for children during this busy time. Stay safe this harvest. You are someone’s child, parent, or grandparent. No job is so important and so urgent it can’t be done safely.  Learn more about FBN® Health Staying safe on the farm is vital for you, your family and your employees. And staying healthy is just as important. Whether you’re looking for a new health insurance plan or looking to save money, FBN Health may be able to help. Learn more about what FBN Health has to offer. Additional resources 10 Harvest Safety Tips to prevent Accidents on the Farm  Grain Bin Safety  Guarding Against Corn Harvesting Accidents  9 Tips for Keeping Yourself Healthy during Harvest  Copyright © 2014 - 2022 Farmer's Business Network, Inc. All rights Reserved. The sprout logo, “Farmers Business Network”, “FBN”, "Farmers First" and “FBN Direct” are trademarks or registered trademarks of Farmer's Business Network, Inc. 


Sep 19, 2022

by FBN Network

As households across the U.S. enter what’s commonly referred to as open enrollment season for healthcare, now is a great time to sit down and explore your options for you and your family. Finding affordable health coverage can be challenging when you’re a farmer. If you’re under age 65, you’ve historically had to either secure coverage through an employer (if you or your spouse work off the farm and can obtain employer-sponsored insurance), purchase private insurance or, more recently, pay for coverage through the federal government’s Health Insurance Marketplace. [Need affordable health coverage for your operation? Apply for coverage through FBN® Health ] We launched FBN Health in response to this challenge, offering affordable coverage options and bringing a Farmers First approach to your healthcare needs. What are the coverage options for farmers? Let’s take a closer look at the primary options you have for health coverage:  FBN Health We offer four affordably-priced plans through FBN Health that deliver excellent coverage with a nationwide provider network and virtual care options to meet your family’s healthcare needs. In order to qualify for our level-funded group plan, you need one full-time employee (can be the farm owner) and a Federal Employer Identification Number (different from your social security number, an FEIN is for your farm operation). All of our plans include enhanced ambulance coverage and $0 copays on telemedicine visits.  FBN Health policies are individually underwritten -- meaning your premiums will account for your health and the health of other members in your operation alone. Note: You don’t need to be a member of the FBN network to apply and obtain a quote, but in order to secure coverage you will need to join the network. We also offer open enrollment year-round. Association Health Plans It’s also possible you can obtain a group insurance plan through membership in your local farm bureau or association. With association health plans, you cannot be denied coverage or pay a higher premium based on your health status or pre-existing conditions. Your premiums will be affected, however, by the overall health needs of other insured members in your association’s group plan. Employer-based Insurance If you or your spouse work off the farm, you might be able to sign up for individual/family insurance through the employer’s group plan. Your premiums will depend on the amount the employer contributes, but these employer-sponsored plans can be a great source of savings for your household. Health Insurance Marketplace (healthcare.gov) If you’re not eligible for employer-based insurance, you can sign up for individual/family coverage through the Health Insurance Marketplace by provision of the Affordable Care Act. These on-exchange plans generally cost more, although you may qualify for a tax credit to reduce your monthly premium. Your insurance carrier and plan options will vary based on which state you live in. Private Insurance In the past, many farmers found themselves with few options other than to purchase off-exchange coverage directly from a private insurance carrier (or through a broker). Without tax credits or employer contributions, this option can be costly for farmers -- either in terms of monthly premiums or high deductible levels, or both. Understand your costs before you sign up You will want to read a plan’s summary of benefits to understand all the out-of-pocket costs you can expect when obtaining care. Here’s a quick breakdown of costs associated with most plans: Premium: A plan’s monthly premium is the amount you will pay to maintain coverage for yourself and any other dependents on your plan. Deductible: Your deductible is the amount you’ll pay for care before your carrier pays a larger portion of your bills. Office visit and prescription copayments are not generally applied to your deductible. Copayments: Your copayment (or copay) refers to the amount you will owe for an office visit or prescription refill. These costs are usually tiered (in-network vs. out-of-network, appointment/urgent care/emergency room, branded vs. generic Rx, etc.). Coinsurance: Coinsurance is the percentage of responsibility you will have once your deductible has been met. For example, an 80/20 coinsurance level means you will be responsible for 20 percent (your carrier pays the remaining 80 percent) of the amount billed after reaching your plan’s deductible limit. Out-of-Pocket Maximum: Your out-of-pocket maximum refers to the most you will have to pay for health care costs during the plan year before your carrier will pay 100 percent of all future costs. You need to consider expected healthcare needs alongside possible emergencies, surgeries and other unpredictable medical concerns or complications when exploring your coverage options. By factoring these costs into your budget, you’ll be better equipped to manage expenses when healthcare needs arise. See your coverage options through FBN Health It takes less than 30 minutes to complete our online application and receive a free quote from our insurance broker—no FBN membership required. See if FBN Health can lower your healthcare costs and live with greater peace of mind. FBN does not offer traditional health insurance. But while we do not offer traditional health insurance, we do offer FBN Health. FBN Health is marketed by FBN Insurance LLC. FBN Insurance LLC is not a licensed insurance company or agency and its employees and representatives are not licensed life and health insurance agents. Policies marketed by FBN Health are level-funded group health benefit plans offered and administered by Benefit Plan Administrators, Inc. (“BPA”) and Employers Business Alliance ("EBA") and available only where BPA and EBA are licensed." If you submit the Get A Quote Form, a licensed insurance agent/producer may contact you on behalf of BPA or EBA. You cannot obtain coverage under a health plan until you complete and submit an application for the plan and your application is approved and accepted by BPA or EBA. Eligibility and benefit exclusions and limitations apply. FBN Health is currently available in all 50 states.


Sep 16, 2022

by Mark Wilson

After 3 long years, Farmer2Farmer is back. And it’s bigger, better and bolder than ever! FBN® is excited to return with Farmer2Farmer VI hosted in Omaha, NE from December 6-8, 2022.  While a global pandemic and other unprecedented challenges prevented us from meeting face-to-face, we’re committed to connecting you to the power of the network. [ Learn more about Farmer2Farmer V1, our 2022 event, by clicking here . We look forward to seeing you December 6-8, 2022 in Omaha, Nebraska!] Join us in Omaha to experience how we’re putting farmers first by combining tech-forward resources with transparency on the staples you need (seed, nutrients, inputs and more). And come to hear some amazing speakers like legendary NAVY Seal Jocko Willink and Alex Honnold, one of the most amazing rock climbers in the world. You don’t need many more reasons to attend other than hearing Jocko and Alex speak at the event. We’ll be announcing more speakers to come, so stay tuned. In the meantime, here are 5 reasons you won’t want to miss Farmer2Farmer in Omaha this December. 1. Powerful networking Where else will you have a chance to connect with fellow farmers to discuss the topics we’ll be discussing at the event? You’ll be able to talk to farmers from across the U.S., Canada, Australia and connect with FBN experts to hear different perspectives and new ideas about farming, technology, and all things ag-related. F2F has become a post-harvest tradition for farmers. Come for the speakers, stay for the conversations.  2. Exciting keynotes + speakers Whether you’re sitting in a room of only 20 people or 3,000, there is no better feeling than sharing the common experience of learning, looking at fellow farmers when an amazing idea or insight connects with you and simply sharing laughter together. It’s time for us all to reconnect and remember why farming is so important. Our keynote speakers will expand your knowledge and being together with a group of like-minded farmers will expand your sense of connection and community.  World-renowned leadership expert Jocko Willink and legendary free climber Alex Honnold are sure to bring inspiring insights. And presentations from other prominent ag and livestock industry experts will be right on par.  3. Access to innovation See the latest tech, products or offerings all three days from the FBN® research network and industry trendsetters on the tradeshow floor.  Over three days, you’ll have the ability to see many different talks and interact with a variety of people. The FBN team has chosen a diverse group of talks and sessions that will expand your knowledge and interests and collectivity help farmers learn more.  4. Deep learning Join special FBN- U educational sessions and producer panels led by experts in: Risk management Agronomic trends Livestock Premium programs Climate Insurance And more 5. Food + drink + celebrations Stay energized with Happy Hours, parties and more! The tradeshow and special events are a big component of Farmer2Farmer. The opening keynote, tradeshow and parties draw farmers, industry professionals and exhibitors alike.  At the end of the day, join us for food, a cold beverage and intimate happy hours with fellow farmers and FBN experts.  BONUS: Swag Everyone loves a good swag bag and you won’t be disappointed at the amazing and cool swag we’ll be giving away. But to get free swag, you’ll have to attend the event!  If you’ve never attended a past Farmer2Farmer event , you certainly won’t want to miss the return of one of the best farming events in the world.  Get your tickets today Farmer2Farmer VI is bigger, better and bolder than ever. Get your tickets today.  Copyright © 2014 - 2022 Farmer's Business Network, Inc. All rights Reserved. "Farmers Business Network", "FBN", “FBN Direct”, "Farmers First" and the Farmers First flag logo are registered service marks of Farmer's Business Network, Inc.


Sep 07, 2022

by Mark Wilson

The world’s largest totally irrigated working farm show is almost here. Join FBN® in Grand Island, NE at Husker Harvest Days from September 13-15, 2022.   Husker Harvest Days have been delivering a world-class space for agriculture’s industry leaders to network for over 40 years. Learn about the latest farm products and the specialists who designed, developed and tested them.  We’re excited to meet you at the show so please be sure to stop by our tent and learn more about what FBN’s up to and maybe even grab some swag!  Find our tent We’ll be located in Tent #942 in the Southwest Quadrant. Click here to enlarge the map*. You’ll have a chance to grab some cool swag like our iconic FBN Branded Bag. Not only will it hold all of your swag, it will be the only bag you’ll need at the show. And bonus, everyone will be asking you where you got it from. What to expect from FBN FBN will always allow you to order online with flexible financing options and direct-to-farm delivery. And we’ll have FBN experts on hand to walk you through everything FBN offers. We’re not only here for fun, we’re here to change the game when it comes to farming. You can’t afford to not stop by Tent #942 ! Here’s what to expect from our panel of experts: Crop Protection Learn more about the wide range of crop protection products we have to offer from herbicides to insecticides to fungicides and more.  Seed Stay in the driver’s seat with our broad portfolio of seed products from F2F Genetics® to Master Farmer™ to Paloma™ Seed and more.  Our seed portfolio fits across various U.S. regions, made up of corn and soybean products with the latest trait technologies and competitive performance at a transparent price. Feed and Animal Health FBN’s Feed and Animal Health store offers more choices and more convenience.  As you head into the fall and weaning, shop online for vaccines, pour-ons, implants and more. Get everything you need without ever having to leave the farm.  FBN® FInance FBN Finance offers competitive rates and exceptional customer service. You’ll also find our application process straightforward..  Choose from financing options to support ag land loans, farm operating lines, equipment loans and more.  Learn from our experts how to get approved for an operating line with competitive rates in just 5 minutes.  Insurance Did you know that FBN offers crop, livestock AND health insurance?  FBN Insurance is a data and service focused agency that personalizes coverage for each individual producer. We provide coverage for the following operations: Row crop Speciality crops (fruit, nuts, vegetable, etc.) Livestock (apiculture, dairy, swine) Health coverage for families and employees Stop by the tent If you’re attending the Farm Progress Show, be sure to visit the FBN team at Tent #942 . There will be plenty of drinks on hand so stop by. We can’t wait to meet you! *Map source: 2022 Husker Harvest Days   Copyright © 2014 - 2022 Farmer's Business Network, Inc. All rights Reserved. "Farmers Business Network", "FBN", “FBN Direct”, "Farmers First" and the Farmers First flag logo are registered service marks of Farmer's Business Network, Inc. We are an Equal Opportunity Provider. FBN Crop Insurance services are offered by FBN Insurance LLC (dba FBN Insurance Solutions Services LLC in Texas, and FBN Insurance Solutions LLC in California and Michigan) and are only available where FBN Insurance LLC is licensed. FBN membership is not required to purchase through FBN Insurance LLC, but certain features are only available to FBN members. FBN Crop Insurance is currently offered in the following states: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY. FBN Direct products and services and other products distributed by FBN Direct are offered by FBN Inputs, LLC and are available only in states where FBN Inputs, LCC is licensed and where those products are registered for sale or use, if applicable. If applicable, please check with your local extension service to ensure registration status. Nothing contained on this page, including the prices listed should be construed as an offer for sale, or a sale of products. All products and prices are subject to change at any time and without notice. Terms and conditions apply. ALWAYS READ AND FOLLOW LABEL DIRECTIONS.  FBN does not offer traditional health insurance. But while we do not offer traditional health insurance, we do offer FBN Health. FBN Health is marketed by FBN Insurance LLC. FBN Insurance LLC is not a licensed insurance company or agency and its employees and representatives are not licensed life and health insurance agents. Policies marketed by FBN Health are level-funded group health benefit plans offered and administered by Benefit Plan Administrators, Inc. (“BPA”) and Employers Business Alliance ("EBA") and available only where BPA and EBA are licensed." If you submit the Get A Quote Form, a licensed insurance agent/producer may contact you on behalf of BPA or EBA. You cannot obtain coverage under a health plan until you complete and submit an application for the plan and your application is approved and accepted by BPA or EBA. Eligibility and benefit exclusions and limitations apply. FBN Health is currently available in all 50 states. Financing offered by FBN Finance, LLC and its lending partners. Terms and conditions apply. To qualify, a borrower must be a member of Farmer’s Business Network, Inc. and meet all underwriting requirements. Interest rates and fees will vary depending on your individual situation. Not all applicants will qualify. Terms and conditions apply. Land financing offered by FBN Finance, LLC, provided in connection with Farmer Mac and our underwriting partners, and is available only where FBN Finance, LLC is licensed. To qualify, a borrower must be a member of Farmer’s Business Network, Inc., and meet the underwriting requirements of FBN Finance, LLC and its lending partners. All credit is subject to approval and underwriting. Interest rates and fees will vary depending on your individual situation. Not all applicants will qualify.


Article Farmer Perspective

The Road to the 2022 Farm Progress Show

Aug 26, 2022

by Anne Ackroyd

FBN Public Relations Manager Anne Ackroyd has been on the road this past week, visiting farms and FBN facilities while en route to the 2022 Farm Progress Show . Stay tuned below or follow along on social media to hear her updates from the road, or tell us about your own journey to #FPS22 by tagging #Road2FarmProgress on your favorite social channels!  Friday, August 19, 2022 We had a wonderful first day on the Road to Farm Progress! We woke up in beautiful Couer d’Alene, Idaho. After a quick stroll with our furry copilots, Chip and Stella, we hit the road for our first farm visit. We soaked up the scenery in northern Idaho and Montana en route to St. Ignatius, Montana, where FBN farmer Bob Winger runs a hay and grain farm at the base of the gorgeous Mission Mountains. Bob gave us a tour of his operation and told us about his passion for farming, his biggest challenges, and his vision for the future. In addition to his impressive knowledge of agriculture, Bob has serious business savvy and shared several creative ideas about his plans to build the operation. We got to see how Bob packs and transports bales of hay and learned about how he irrigates his farm using snowmelt from the mountains, an intricate system of pipes, and gravity to bring water to his fields. Like many farmers this year, Bob’s operation has been impacted by drought and unpredictable weather. He appreciates the peace of mind he has as an FBN Crop Insurance customer. He’s looking into additional FBN products and services to support his growing operation. We also got to meet Bob’s sweet family, including his wife and their four young kids, as well as the lovable farm cat, Margaret, who is earning her keep at the rate of two mice a day! Thank you, Bob and family, for taking time out of your busy summer schedule to show us around and tell us about the important work you do! Farmers like you are the reason FBN is Farmers First! Sunday, August 21, 2022 Today we visited FBN's Logistics Center in Great Falls, Montana. The facility serves customers within a 250-mile radius of the location, providing them with efficient deliveries of FBN chemical products. Logistics Center Manager Tom Weaver took time on his day off to give us a tour of the facility and teach us about the vital work his team does to make sure FBN farmers receive the products they need. Tom had great insight into the needs of the community and is clearly passionate about supporting both customers and his team. (You might recognize Tom... He's the star of FBN 's safety training videos !) It's great to see the Farmers First mission in action and meet the wonderful people who are carrying it out every day! We're in Bozeman, Montana today, getting ready for a behind-the-scenes look at how Kevin McNew and the FBN Research team collect data and share insights that empower FBN farmers to make informed decisions for their operations. We're told we might even get to meet the office dog! Monday, August 22, 2022 It's not every day you get to meet the Kevin McNew, FBN Chief Economist! Kevin and Director of Internal Producer Advisory & Brokerage Cody Bills showed us around their new office in Bozeman, Montana today. I've seen Kevin on the news so often that it was basically like meeting a celebrity.   Thanks, Kevin and Cody, for giving us a behind-the-scenes look at your work collecting data and sharing insights that empower FBN farmers to make informed decisions for their operations. Thursday, August 25, 2022 We were excited to join local farmers, ranchers, FBN team members, and their families to celebrate the opening of the new fulfillment center in Larchwood, Iowa today! FBN  co-founders Charles Baron and Amol Deshpande joined the group for an open house event to celebrate the new facility. Led by  FBN  Larchwood Logistics Center employees, we also had the chance to tour the center to see the cutting-edge space.   Sunday, August 28, 2022 The Road to Farm Progress took us through Gillette, Wyoming, where we met FBN customers Mike and Erin Galloway of Our Wyoming Life ! Mike and Erin gave us a tour of the ranch, where they care for their many animals, including cows, goats, chickens, ducks, horses, and even a pair of emus. Mike and Erin stay busy as ranchers, social media influencers, passionate advocates for ag life, and dedicated community members. Enjoy this sneak peek behind the scenes at the Our Wyoming Life Ranch! _ Copyright © 2014 - 2022 Farmer's Business Network, Inc. All rights Reserved. The sprout logo, “Farmers Business Network”, “FBN”, "Farmers First", “FBN Direct” are trademarks, registered trademarks or service marks of Farmer's Business Network, Inc.


Aug 23, 2022

by Mark Wilson

America’s largest farm event is almost here. Join FBN in Boone, IA at the 69th Annual Farm Progress Show from August 30 to September 1, 2022.   The Farm Progress Show is America’s largest outdoor farm event and has been connecting farmers from across the globe for over 69 years. With over 600 exhibitors, there will be something to see for everyone in attendance.  FBN is going to be out in full strength at the show and we’re excited to meet everyone who stops by our booth.  Find our booth We’ll be located in Tent #1134 in the Southeast Quadrant.  FBN Members are welcome to join us in Tent # 1134 on Tuesday, August 30 from 5pm to 7pm for FBN Member Appreciation Night. Click here to enlarge the map*. And everyone at the show is encouraged to join us each day for Happy Hour: Tuesday, Aug. 30 - 3pm - 5pm Wednesday, Aug. 31 - 3pm. - 5pm We’ll be giving out some cool swag like our iconic FBN Branded Bag (think the legendary yellow bag from that famous Swedish furniture store). It’s the only bag you’ll need at the show. Not only will it hold all of the swag you collect, everyone will want to know where you picked it up.  Kevin McNew, Chief Economist and VP of FBN Research, will also be in the booth to answer all of your questions about our latest Farmland at Risk report and the latest U.S. Corn & Soybean Yield Forecasts Report . What to expect from FBN FBN will always allow you to order online with flexible financing options and direct-to-farm delivery. And we’ll have FBN experts on hand to walk you through everything FBN offers. We’re not only here for fun, we’re here to change the game when it comes to farming. You can’t afford to not stop by Tent #1134! Here’s what to expect from our panel of experts: Crop Protection Learn more about the wide range of crop protection products we have to offer from herbicides to insecticides to fungicides and more.  Stop by the booth and find out how you can get 5% off glyphosate when you order directly at the booth.  Seed Stay in the driver’s seat with our broad portfolio of seed products from F2F Genetics® to Master Farmer™ to Paloma™ Seed and more.  Our seed portfolio fits across various U.S. regions, made up of corn and soybean products with the latest trait technologies and competitive performance at a transparent price. Feed and Animal Health FBN’s Feed and Animal Health store offers more choices and more convenience.  As you head into the fall and weaning, shop online for vaccines, pour-ons, implants and more. Get everything you need without ever having to leave the farm.  FBN® Finance FBN Finance offers competitive rates and exceptional customer service. You’ll also find our application process straightforward..  Choose from financing options to support ag land loans, farm operating lines, equipment loans and more.  Learn from our experts how to get approved for an operating line with competitive rates in just 5 minutes.  Insurance Did you know that FBN offers crop, livestock AND health insurance?  FBN Insurance is a data and service focused agency that personalizes coverage for each individual producer. We provide coverage for the following operations: Row crop Speciality crops (fruit, nuts, vegetable, etc.) Livestock (apiculture, dairy, swine) Health coverage for families and employees Stop by the booth If you’re attending the Farm Progress Show, be sure to visit the FBN team at Tent #1134. There will be plenty of hot and cold drinks on hand so stop by and play a game of cornhole on the party deck. We can’t wait to meet you! * Map source: Farm Progress Show 2022 Copyright © 2014 - 2022 Farmer's Business Network, Inc. All rights Reserved. "Farmers Business Network", "FBN", “FBN Direct”, "Farmers First" and the Farmers First flag logo are registered service marks of Farmer's Business Network, Inc. We are an Equal Opportunity Provider. FBN Crop Insurance services are offered by FBN Insurance LLC (dba FBN Insurance Solutions Services LLC in Texas, and FBN Insurance Solutions LLC in California and Michigan) and are only available where FBN Insurance LLC is licensed. FBN membership is not required to purchase through FBN Insurance LLC, but certain features are only available to FBN members. FBN Crop Insurance is currently offered in the following states: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY. FBN Direct products and services and other products distributed by FBN Direct are offered by FBN Inputs, LLC and are available only in states where FBN Inputs, LCC is licensed and where those products are registered for sale or use, if applicable. If applicable, please check with your local extension service to ensure registration status. Nothing contained on this page, including the prices listed should be construed as an offer for sale, or a sale of products. All products and prices are subject to change at any time and without notice. Terms and conditions apply. ALWAYS READ AND FOLLOW LABEL DIRECTIONS.  FBN does not offer traditional health insurance. But while we do not offer traditional health insurance, we do offer FBN Health. FBN Health is marketed by FBN Insurance LLC. FBN Insurance LLC is not a licensed insurance company or agency and its employees and representatives are not licensed life and health insurance agents. Policies marketed by FBN Health are level-funded group health benefit plans offered and administered by Benefit Plan Administrators, Inc. (“BPA”) and Employers Business Alliance ("EBA") and available only where BPA and EBA are licensed." If you submit the Get A Quote Form, a licensed insurance agent/producer may contact you on behalf of BPA or EBA. You cannot obtain coverage under a health plan until you complete and submit an application for the plan and your application is approved and accepted by BPA or EBA. Eligibility and benefit exclusions and limitations apply. FBN Health is currently available in all 50 states. Financing offered by FBN Finance, LLC and its lending partners. Terms and conditions apply. To qualify, a borrower must be a member of Farmer’s Business Network, Inc. and meet all underwriting requirements. Interest rates and fees will vary depending on your individual situation. Not all applicants will qualify. Terms and conditions apply. Land financing offered by FBN Finance, LLC, provided in connection with Farmer Mac and our underwriting partners, and is available only where FBN Finance, LLC is licensed. To qualify, a borrower must be a member of Farmer’s Business Network, Inc., and meet the underwriting requirements of FBN Finance, LLC and its lending partners. All credit is subject to approval and underwriting. Interest rates and fees will vary depending on your individual situation. Not all applicants will qualify.


Aug 08, 2022

by Heather Stone

Farmers like you have a lot to think about everyday. Weather, crop yield, market prices, chemical usage and government policies are all elements you have to plan for and consider in your operations.  While thinking about your livelihood and the uncertainties that can affect profitability, safety risks are often deprioritized. Statistically, farming is one of the most hazardous occupations. According to the National Institute of Safety and Health (NIOSH)” in 2019, 410 farmers and farm workers died from a work-related injury, resulting in a fatality rate of 19.4 deaths per 100,000 workers.” Ultimately, injuries and illnesses have the potential to harm colleagues and family members you work alongside. These injuries also have the potential to result in major costs to your farm's bottom line. Insurance is an operating cost that you likely see every month on your balance sheet.  Crop insurance, workers compensation insurance, livestock insurance and health insurance for your family are all examples. Insurance premiums typically rise with the frequency and cost of claims.  Even a minor accident can involve time, money, people and resources which can impact current and future operations. Create a strong safety culture on your farm You have a huge responsibility as a farmer to ensure the safety of your operation, whether it’s you and a few seasonal workers or a larger scale operation.Your workers place their safety and health in your hands. Your leadership and the culture you create on your farm will help ensure your team goes home safely to their family each evening.  Here are a few simple steps you can take to build a strong safety culture on on your farm, while also reducing costs to your bottom line: 1. Start each day with a safety moment Talk to your employees about the tasks that will be performed during the day, review the risks involved and discuss what steps will be taken to reduce those risks. Encourage each employee to speak up and share stories and ideas. Talking about safety to start the work day only takes a few moments, but sends a message about how much you prioritize safety.  2. Encourage employees to speak up Are safety concerns openly discussed on your farm? Are workers encouraged to speak up without fear of punishment, ridicule or dismissal? The more employees are encouraged to speak up, the more opportunities you will have to identify an issue before it becomes an accident. 3. Focus on the cause, not the person Often when an incident occurs we are quick to blame. The truth is, people do make mistakes, but it’s not intentional. Most mistakes happen because we didn’t set the employee up for success. Was the training adequate? Was the workload acceptable? Were there other stresses (e.g. weather, time of day, etc.) that contributed to the accident? By focusing on what caused the individual to fail, you can make improvements that will drive success. 4. Make safety part of everyone’s job The National Agricultural Tractor Safety initiative reports, “ Tractors cause about 130 deaths annually ”  Equipment and facilities on the farm should be inspected regularly. Get your team involved in these inspections and coach them on the hazards they should be looking for. From a wasp nest in an overhang to a pinch point on a sprayer, the more they look for hazards, the greater the chance they can avoid — or eliminate — them. 5. Recognize good behaviors Your employees look up to you and model your behaviors. If an employee is taking a few minutes to get a sip of water on a hot day, use it as a chance to thank them for staying hydrated. If an employee is wearing chemical gloves while pouring a pesticide, call out that good behavior. Most importantly, recognize employees who are willing to speak up and bring safety concerns or ideas forward. Never underestimate the power of a “thank you.” You never know when a suggestion may save a life on your farm.  Everyone can be a leader when it comes to safety. It only takes a few small actions, good or bad, to impact the safety culture on your farm. Creating a culture of caring on your farm ensures all employees are looking out for themselves and each other to ensure the work gets done… safely. It also helps you rest better at night knowing your team is home safe with their families and will be ready for work the next day. Additional resources 11 Tips for Farm Safety 5 ways to be proactive about farm safety  Safety on the Farm: Prepare. Prevent. Protect Copyright © 2014 - 2022 Farmer's Business Network, Inc. All rights Reserved. The sprout logo, “Farmers Business Network”, “FBN”, "Farmers First" and “FBN Direct” are trademarks or registered trademarks of Farmer's Business Network, Inc. 


Aug 08, 2022

by Lucas Strom

When FBN® members told us that they need better healthcare options for their families and farm employees, we listened. In 2018, we launched FBN Health to bring farmers more choice around their healthcare options with plans that are designed for them—straightforward, affordable and reliable health benefits with best-in-class service when you need it most. Farming is a tough business. One of the greatest potential risks you manage is your own health and personal wellness, as well as that of your family and employees—but you don’t have to do it alone. We’ve tailored health benefits plans to meet FBN members’ needs with a farmer-focused healthcare coverage offering, which includes enhanced ambulance coverage. Healthcare designed for farm operations You need the freedom to choose from a range of healthcare coverage options that meet your farm’s specific needs. We have four different plans that offer you: Health coverage for your family and your farm employees: Medical, dental and vision Free, 24/7 telephone access to a doctor—at $0 co-pay—so you don’t have to waste any time driving to town when you have a medical question or need Extensive regional and national networks of providers based across the country Affordable health benefits for farming businesses You don’t have to settle for the rising cost of health coverage. By leveraging the purchasing power of the FBN network, we are working to lower health insurance premiums and pass those savings straight on to you. In many cases, we expect eligible FBN members will see significant premium savings over the individual marketplace. The plans offered through FBN Health are level-funded plans which are fully underwritten, allowing them to provide much lower rates for relatively healthy members of your family or farm employees. Between our unique approach and the power of the FBN network, members may see 25-35 percent savings under the right circumstances. Simple to choose and easy to use You deserve hassle-free health insurance. Lower-cost healthcare options should also be convenient to access and use when you need them, and come with hassle-free support. You shouldn’t have to spend valuable time re-learning the ever-changing landscape of the healthcare industry, benefits options and network providers—through our partnership, we’re making the enrollment and selection process easy, and the benefits service you receive after the sale outstanding. How to participate in FBN Health Farms with as few as one employee who have a Federal ID Number (FEIN) are eligible to apply.  The online application takes about 30 minutes to complete and can be found at FBNHealth.com . Our team is staffed by licensed health insurance experts to help you make the right coverage decisions for your family and operation. We will walk you through the application and enrollment process and be there to answer any claims questions throughout the year. Where is FBN Health Offered? FBN Health is available in all 50 states. Are you unhappy with your healthcare coverage?  Does your family farm have the best option for health insurance?  Call 877-892-3303 or visit FBNHealth.com to apply. FBN does not offer traditional health insurance. But while we do not offer traditional health insurance, we do offer FBN Health. FBN Health is marketed by FBN Insurance LLC. FBN Insurance LLC is not a licensed insurance company or agency and its employees and representatives are not licensed life and health insurance agents. Policies marketed by FBN Health are level-funded group health benefit plans offered and administered by Benefit Plan Administrators, Inc. (“BPA”) and Employers Business Alliance ("EBA") and available only where BPA and EBA are licensed." If you submit the Get A Quote Form, a licensed insurance agent/producer may contact you on behalf of BPA or EBA. You cannot obtain coverage under a health plan until you complete and submit an application for the plan and your application is approved and accepted by BPA or EBA. Eligibility and benefit exclusions and limitations apply. FBN Health is currently available in all 50 states.


Jul 28, 2022

by Mark Wilson

Our ‘Why I Chose  FBN ’ series features stories from employees across different roles, teams, and geographies on how they got to  FBN , what it’s like to work here, and how their teams help fulfill our mission of putting Farmers First®. When did you join FBN®, what is your current role at FBN , where are you based, and what are your responsibilities?   I joined FBN in November 2020, I am a senior loan advisor in the finance department. I provide financing on ag real estate, operating and equipment, also cross selling in insurance and livestock for farmers and people getting into farming, and also cross selling other FBN products. The majority of the people I do business with are already in the ag industry, but some are people who are thinking about getting into farming.    What was your previous work experience before joining FBN ?   I was an Ag Lender for about 15 years in the community banking system, I was vice president at a couple of banks, president at one bank. Most of them were hometown community banks. What did you first find compelling about FBN that led you to want to learn more?   My former boss is on the finance team. He approached me while I was baling corn stalks one day, “I just started with this company FBN , it’s pretty cool, and we’re looking for Loan Advisors, would you be interested?”  I was pretty happy where I was, and he said it was a start up. That got me a little nervous, because I had never worked with a startup company before. Everything I had worked at was well established, but I said “well, I’m not opposed to hearing them out.” I went to the interview process and just kinda fell in love with it throughout the interview process, the idea, and the direction that FBN was going. I thought it was a really neat opportunity where I could get in on the ground floor. I thought it was pretty cool after I talked to TJ Wilson and Dan English. Why did you ultimately decide to join FBN ? What did this thought process look like for you?   On the personal side, I met with TJ first and I thought “This is a guy I could work for.” He was great in the interview, and I felt I had a real great connection with him and Dan. The way that FBN is set up in the finance department, the model that they presented to me, just really caught my attention and made me think “Man, they’re serious, and this thing could really be something pretty spectacular if it comes to fruition.” In my two years here it has done nothing but meet expectations, if not exceed expectations, and they were right: it is what they said it was, plus more, so I haven’t regretted it a day. It’s a great place to work, the best job I’ve ever had, and the people here are awesome.  The finance department, our model, is based on teams, and they put together great teams, and tools for us to use.t’s been a breath of fresh air. We’re meeting the budget or exceeding it by quite a margin. We’ve been very successful in the model that they’ve put before us.   Now that you’ve joined, how would you describe FBN’s culture and what it’s like to work here?   When I think about my previous experiences, it seemed like ag lending was not as respected, not as high priority on bank boards’ lists. They were kinda stuck in a rut, not wanting to change things. The days got kind of mundane. Doing the same thing over and over and over again, and it seemed like when you presented a credit, it was scrutinized to the hilt. It was getting tougher to get guys money. It just didn’t seem like agriculture was their top priority, whereas here, from the management to the very lowest of the totem pole, if we bring up an issue, or an idea, you really feel like they’re going to take it into account, and do something about it. Taking ideas, running with them, trying new things. We’re still in our infancy stages, and you can tell that they really want to make things work, make things really good, and no idea goes unresearched. On the team, we have numerous years of experience, and you can always turn to somebody who has some experience in that area. As an Ag Lender, corn, soybeans, hogs and cattle are what I’m used to, and now I’m doing loans for coffee and different varieties of produce. Stuff that I had no idea of until I got into it and learned from other people in the finance department. Everybody is knowledgeable. You can certainly find someone who has an idea of what’s going on, and in my old system I didn’t have those avenues to go to. It’s fun to be here.  I don’t mean to run down my old institutions or anything. A lot of these places didn’t have a whole lot of experience in agriculture, so they were scared of it. They didn’t know. My bosses were mostly commercial lenders. They didn’t understand agriculture, whereas here everybody’s done ag. Everybody understands it, and it’s refreshing. I’s nice.  We know you have a life outside of work - what kinds of things do you do for fun?   I am actually a farmer myself. This is my farm office that I’m in right now. We raise cattle, corn, soybeans, and that’s kinda what I do for my hobby. When I’m not working at FBN I’m working in the field, or with cattle. My dad runs the corn/soybean operation. I run the cattle operation. On a day to day basis, it’s just me and my dad and my wife. My dad has farmed since the 70s, and I started farming when I graduated from college, but I’ve been involved in farming pretty much all of my life.  What’s one piece of advice you would give to someone considering FBN ? If you decide to come on, you’ve made the right choice. It’s a total package when it comes to ag finance. If you decide to join up, don’t be afraid to ask questions, or ask for help because there’s always someone out here who will help you. FBN as a whole is a great, great company, and headed in the right direction. Don’t be scared to join, because it’s the place to be. From top down, it’s been nothing but great. Genuinely, FBN is a great place, a great culture, the people are great, and we’re headed in the right direction. I couldn’t ask for anything else.  Copyright © 2014 - 2022 Farmer's Business Network, Inc. All rights Reserved. The sprout logo, Farmers First flag logo, "Farmers Business Network," "FBN," and "Farmers First" are registered trademarks of Farmer's Business Network, Inc. or its affiliates. All other trademarks are the property of their respective owners. Terms and conditions apply.