Your personal automobile policy protects you against overwhelming financial loss if you are involved in an accident and you are determined to be responsible. Our auto policy provides coverage for your legal liability up to the limits of the policy.

We also offer coverage, in the event that your auto is damaged in an accident or other mishap (e.g. fire, hail or vandalism). A wide selection of coverage options is available to protect you, your loved ones and your auto.

Surety Bonds

A surety bond is a written agreement where one party, the surety, obligates itself to a second party, the obligee, to answer for the default of a third party, the principal.There are two categories of surety bonds: Contract Surety Bonds and Commercial Surety Bonds.

Contract Surety Bonds provide financial security and construction assurance on building and construction projects by assuring the project owner (obligee) that the contractor (principal) will perform the work and pay certain subcontractors, laborers, and material suppliers. Contract surety bonds include:

• Bid bonds, which provide financial assurance that the bid has been submitted in good faith, and that the contractor intends to enter into the contract at the price bid and provide the required performance and payment bonds.
• Performance bonds, which protect the owner from financial loss should the contractor fail to perform the contract in accordance with its terms and conditions.
• Payment bonds, which guarantee that the contractor will pay certain subcontractors, laborers, and material suppliers associated with the project.
• Maintenance bonds, which normally guarantee against defective workmanship or materials for a specified period.
• Subdivision bonds, which guarantee to a city, county, or state that the principal will finance and construct certain improvements such as street, sidewalks, curbs, gutters, sewer, and drainage systems.

Commercial Surety Bonds guarantee performance by the principal of the obligation or undertaking described in the bond. Commercial surety includes:

• License and permit bonds, which are required by state law or local regulations in order to obtain a license or permit to engage in a particular business, e.g. contractors, motor vehicle dealers, securities dealers Blue Sky bonds, employment agencies, health spas, grain warehouses, liquor, and sales tax;
• Judicial and probate bonds, also referred to as fiduciary bonds, secure the performance on fiduciaries’ duties and compliance with court order, e.g. administrators, executors, guardians, trustees of a will, liquidators, receivers, and masters. Judicial proceedings court bonds include injunction, appeal, indemnity to sheriff, mechanic’s lien, attachment, replevin, and admiralty;
• Public official bonds, which guarantee the performance of duty by a public official, e.g. treasurers, tax collectors, sheriffs, judges, court clerks, and notaries;
• Federal (non-contract) bonds are those required by the federal government, e.g. Medicare and Medicaid providers, customs, immigrants, excise, and alcoholic beverage; and
• Miscellaneous bonds, e.g. lost securities, lease, guarantee payment of utility bills, to guarantee employer contributions for Union fringe benefits, and workers compensation for self-insurers.

Businessowners (BOP) Policy

Popular for its one-stop package approach, a BOP is also designed to provide broader coverage at a better price than most owners would find if purchasing the insurance policies separately. Coverage options can be tailored to specific needs with an enhancement endorsements and flexible payment plans.

Revenue Protection Crop Insurance

Revenue Protection (RP) insurance gives you all the coverage of Yield Protection (/products/yield-protection) insurance plus protection against loss of revenue caused by market fluctuations. Revenue Protection can also be purchased with the Harvest Price Exclusion. Your initial guarantee is set before enrollment. The harvest price adjustment may provide a higher guarantee.

Prevented planting and replanting protection is part of the policy. Coverage levels range from 50 to 85 percent.

Depending on where you farm, an RP plan may be available on barley, canola/rapeseed, corn, grain sorghum, popcorn, soybeans, sunflowers and wheat.

For a side-by-side comparison of coverage options, review our crop insurance product comparison chart (/products/comparison).

Crop insurance can play a key role in the risk management strategy for your farm, but it can support your marketing strategy, too. A thoughtful plan can allow you to take advantage of market rallies before your crop is even planted. We’ll show you how.

Cedar Valley Insurance Agency understands the risks you face. We’ll listen to your financial needs, evaluate your marketing goals and develop a cost-effective crop insurance plan for your farm or ranch. Here’s how:

• Our crop insurance agents are full time. We spend every working day with crop insurance and risk management – it’s all we do. You have too much at risk to settle for anything less.
• Our crop insurance agents are highly trained and understand the nuances and details of every crop insurance plan. We also make it our business to stay on top of the frequent changes in crop insurance products and rules.
• Our crop insurance agents sell only crop insurance. We don’t pretend to know every kind of insurance, but we sure understand crop insurance.
• We understand your financial risks. More than simply protecting your crops, we work to protect your livelihood with cost-effective options designed for your specific financial needs.

Cedar Valley Insurance Agency is dedicated to serving the risk management of farmers and ranchers in Iowa, Nebraska, South Dakota, and Kansas.

Crop Hail Insurance

Crop Hail insurance provides the grower protection against yield reduction caused by hail and/or fire. Some policies may also pay for fire department service charges, damage during transit and replant costs. Deductible options allow you to insure up to the full value of the crop.

The Production Hail crop policy may be an efficient alternative to more traditional hail insurance plans. Click for more information.

Companion Hail coverage is also available to insure the portion of the crop not covered under federal crop insurance policies such as Yield Protection or Revenue Protection.

Cedar Valley Insurance Agency writes with several insurance companies to offer you competitive crop hail plans and rates.

Yield Protection / Actual Production History

The YP and APH policies insure producers against yield losses due to natural causes such as drought, excessive moisture, hail, wind, frost, insects and disease. You select the amount of average yield you wish to insure, from 50-75 percent (80% and 85% are also available on some crops in limited areas), and the percent of the price you want to insure (between 55 and 100 percent).

Depending on where you farm, the YP or APH plans may be available on Barley, Canola/Rapeseed, Corn, Dry Beans, Forage Production, Grain Sorghum, Hybrid Seed Corn, Millet, Oats, Popcorn, Rye, Soybeans, Sugar beets, Sunflowers, and Wheat.

The primary difference between YP and APH is how the price is determined. Crops insured through YP have a price set through a commodity exchange price provision. The APH plan is available for crops that do not have prices set by a commodity exchange. The price for APH is set by the Risk Management Agency (RMA).

Losses occur when the harvest yield is less than the yield insured due to a covered peril. Late planting, prevented planting and replanting protection is part of the policy.

Farmers, ranchers, and agribusiness owners need a policy that works as hard as they do. We represent companies that have taken proactive approaches to properly cover the ever changing Farming World.

We make available to our insureds coverages that generally are not available through most other carriers or only available by special endorsements all while providing this at a competitive premium.

As an On Your Side® Farm Certified Agency, Brian and Brady Yosten have attended rigorous training classes to receive in-depth education on farm and ranch operations. You can be confident that an On Your Side® Farm Certified Agent has extensive knowledge about farm and ranch operations and provides the highest level of professional service to you and your family along with the Business you have built.

Continental Western Group’s Fire/EMS-PAK program is a program specifically designed to meet the specialized needs of volunteer / partial paid fire departments, and volunteer / not for profit EMS organizations. It features many advantages over typical insurance coverages, including extremely competitive premiums. This program has been offered through Continental Western Group since 1980.

When disaster strikes, it doesn’t differentiate between rented buildings and owned homes. Renters face the same risk as homeowners. Your landlord may have insurance, but it only protects the building structure, not the personal items inside. Renters insurance can protect your belongings in case of disaster.