Review what changed before the next season.

Walk through each location on paper.

Write down the buildings at each premises and what happens there. Include a residence, storage buildings, workshops, rented ground, and other locations used in the operation. Flag a building that is vacant or has a new purpose; the change may matter even if nothing was bought or sold.

Use four categories for changes.

A short summary gives Todd a useful starting point. Keep detailed contracts and asset records private until you agree on a suitable way to provide them.

• Property: buildings added, renovated, sold, rented, or used differently.
• Equipment: purchases, leases, borrowing, sharing, or off-site work.
• People and activities: workers, visitors, new services, or custom work.
• Special exposures: livestock, commodities, crop concerns, vehicles, or other items needing separate discussion.

Ask what falls outside the current proposal.

Do not treat a farmowners policy as a statement that every agricultural exposure is insured. Ask Todd to identify what the policy addresses and what needs a separate arrangement or specialist. This checklist does not promise a crop, livestock, workers’ compensation, or specialty program.

Finish with a written next-step list.

Record which documents are needed, which questions remain open, and which changes require confirmation. Keep any confirmed effective date with the farm’s records. A website message alone does not add a location, insure machinery, or change an existing policy.