Grains of Knowledge

How to control your workers’ compensation experience modifications

Experience modifications rating factors (EMRs) are premium adjustments that modify your premium positively or negatively based on your own loss experience. Rating bureaus calculate a modification applied to a premium based on the information reported by the insurance company. This information consists of payroll and loss information for the past three full years.

Agritainment – What’s the Issue?

In today’s agricultural scene, farmers have become creative in finding new ways to earn income in addition to the traditional farming practices of growing crops or raising livestock. One of those supplemental avenues is called agritainment, which is also known as agritourism.

Five ways to reduce the risk of a combustible dust explosion

The ingredients for grain dust explosion are common in a farm environment: fuel (the dust), oxygen — which suspends the dust in the air — and an ignition source. All three ingredients can be found in grain elevators or feed mills. But the ignition source of most explosive fires is material handling equipment, such as legs and conveyors.

Four Tips to Stay Safe at Harvest Time

It’s harvest time and all of your hard work has finally come to fruition. But as the days get shorter and you rush to get crops in during the harvest window, it can be tempting for you and your employees to cut corners.

Preventing Listeria Outbreaks

If you made a list of what keeps agribusiness plant operators awake at night, the threat of a Listeria outbreak would be near the top. Listeria is the bacteria that causes listeriosis, a potentially life-threatening infection that can cause sepsis and meningitis, among other serious inflammatory conditions. Complicating matters, Listeria is hardier than many other forms of bacteria, able to grow in temperatures between 39 and 98 degrees Fahrenheit.

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