Mica Rausch - PFS Insurance Group

Working around livestock on a dairy farm can be dangerous. Luckily, many of the risks can be mitigated with proper animal handling. Follow these dairy farm safety tips to prevent injury at your farm. https://ow.ly/EiyZ50Sk2gV

🚨 Newsletter Highlight: Livestock Risk Protection 🚨

Secure your livestock operation against market volatility with Livestock Risk Protection (LRP). 🌾🐄

🔑 Benefits:

Protects against market price drops
Flexible coverage options
Peace of mind for your operation
🌟 Success Story:
One rancher recovered from a market downturn with LRP, maintaining financial stability.

Don't let market volatility threaten your livelihood. Contact us today to learn more about LRP.

📞 Contact: Mica, Licensed Risk Advisor

With peak upon us, keep these tips in mind to help you and your family prepare: https://travl.rs/3yM3dxb

🚛🚨 Protect Your Trucking and Freight Operation 🚨🚛

The trucking and freight industry is the backbone of our economy, moving goods coast to coast. But there's a lot at stake. In Q3 2023 alone, thieves stole over $31.1 million in shipments (CargoNet’s Q3 2023 Supply Chain Risk Trends). Stay vigilant against these top freight theft schemes:

🔴 Straight Theft: Goods are stolen directly from trucks along routes or at stops.
🔴 Strategic Theft: Scammers fake freight bookings or unauthorized load transfers. They know the supply chain inside out.
🔴 Cyber Theft: Cybercriminals capture credentials to impersonate drivers, brokers, or warehouse employees and intercept loads.

🛡️ Stay Compliant and Protected 🛡️

Federal and state laws require motor carriers, freight forwarders, and brokers to have specific insurance. Here's what's needed:

$750K to $5M in public liability coverage for trucks over 10,001 pounds.
$300K in public liability for trucks carrying nonhazardous materials under 10,000 pounds.
Beyond compliance, protect your operation from liabilities that threaten your revenue. We cover:

✅ Bobtail Insurance: When not under dispatch or pulling a loaded trailer.
✅ Commercial Umbrella Insurance: Extends liability limits across multiple lines.
✅ Completed Operations Coverage: Protects against delivery service claims.
✅ Cyber Liability Insurance: Covers data theft and cyberattacks.
✅ Excess Insurance: Increases liability limits on chosen policies.
✅ General Liability Insurance: For injuries and property damage on your premises.
✅ Motor Truck Cargo Insurance: Protects your freight against damage and loss.
✅ Physical Damage Insurance: For truck and trailer repairs.
✅ Workers’ Compensation Insurance: Covers employee injuries on the job.

📞 Call for a Coverage Review! 📞

As an independent agency, we work for you, not the insurance company. We'll shop multiple carriers to find the best policies for your business. Contact us for a review — we'll help you save money, find better coverage, or both!

🌟 Spotlight on Industry Insight! 🌟

I'm excited to share an insightful article written by Gregg Guest, a former claims adjuster, I had the pleasure to meet and work with on an insurance panel a few weeks back. Their expertise and unique perspective on the claims process offer valuable knowledge for both professionals and policyholders.

In this article, Gregg provides practical tips on making the claim process smooth from start to finish. It's a must-read for anyone interested in understanding the intricacies of the insurance industry better.

👉 https://www.servicemasterrestore.com/servicemaster-of-boulder/why-us/blog/2024/january/insurance-claim-tips/ #~e8f50859-72c0-4ce5-b51e-b296be122298

A big thank you to Gregg Guest for sharing their expertise and contributing to the industry with such valuable content. I'm looking forward to seeing more of their work!

ServiceMaster Restore- Insurance Claim Tips Insurance Claim Tips

Wildfire Preparation Helps Prevent Property Loss Regardless of where you live, taking time to prepare is important in preventing wildfires and reducing the likelihood of property damage or bodily injury should a wildfire occur.

Holy Smokes Imfamous is insured!!

This handsome 3 year old boy is getting prepped and trained to be the next all star in the rodeo arena! Being such a promising prospect it is important to protect that investment with an equine mortality policy! These horses give their heart, soul, and body to become the best athlete or work horse for you which can come with multiple risks to their health and well being while traveling, training, and competing and I know that they are not only an investment or tool to you as you care for them throughout their journey. They are your partner and beloved family member! Most equine owners I know would give their left leg…right leg, any organ they could OR even highly consider robbing a bank (any way possible to come up with the expenses) to save their partner’s life from any emergency situation that could arise! Getting an equine mortality policy on them can help you get through those difficult situations and is more affordable than you think!! Thank you Tye Hopkins-smart for entrusting me to protect your beautiful boy!
Please reach out to me if you have any questions about protecting your unique asset!!

Preparing Your Drivers for the Road: A Guide to Driver Safety Driving is an essential aspect of many businesses, but it also comes with significant risks. Reduce road risks with these driver safety best practices. Learn how to help keep your drivers safe on the road.

🌾 Safeguarding Agribusiness Success: Thriving in Uncertain Times 🏢
In the ever-evolving landscape of agribusiness, economic recessions and market fluctuations can pose significant challenges. At PFS Insurance, we understand the complexities you face and are committed to providing insurance solutions to fortify your operations.
🚚 Commercial Auto Insurance: As the costs of fuel and supply chain management rise, protecting your transportation fleet is crucial to optimizing your bottom line.
🌱 Crop and Livestock Insurance: Unpredictable market conditions and climate events impact agricultural yields. Our tailored policies secure your income, even in turbulent times.
🏭 Property and Liability Coverage: Safeguarding your assets and facilities is paramount, especially when property values and maintenance costs fluctuate.
✅ Industry Expertise: Our seasoned team combines deep industry knowledge with market insights to offer expert guidance and personalized solutions.
✅ Risk Management: In a recession, effective risk mitigation becomes paramount. We're your partners in minimizing exposure and maximizing stability.
📊 We invite you to join the conversation. How have recent economic challenges affected your agribusiness? Share your experiences and concerns in the comments below.
As your dedicated insurance partner, we are committed to fortifying agribusinesses like yours. Connect with us to discuss your insurance needs and secure the future of your agribusiness. Send a message or call at 970-522-8888.

This pretty champion is insured!

Reese and RNR Kiss & Tell will be continuing their show career in the 2024 year! Let’s all take the chance to wish them good luck! Thank you JenaeReese Lorenzo for entrusting me to protect your highly prized and beloved bovines as they continue to steal the shows!

This bad GUY is insured!!

It's a fun part of the job to be able to cover these large performance animals and help the owners be at ease knowing that they are covered as they take their prized possessions on the road to big events like this! Thank you again, Guy family for entrusting me to protect your worthy assets!

If anyone is interested in learning more about Livestock or Equine Mortality/Liability, feel free to reach out to me!

🔹 Meet Mica R., Your Insurance Partner at PFS Insurance Group!

Embarking on my journey over a year ago, I made a pivotal decision to dive into the world of insurance with a singular purpose: to make a meaningful difference in people's lives. Today, I'm thrilled to continue this mission in my new capacity as a trusted advisor at PFS Insurance Group.

Allow me to introduce myself:

🌾 Rooted in Northeastern Colorado: Raised amidst the sweeping landscapes of Northeastern Colorado, I bring a deep-seated connection to the community and an unwavering commitment to its residents' well-being.

🐄 Agricultural Heritage: Growing up on my family's feedlot instilled in me a profound appreciation for the agriculture and livestock industries. This firsthand experience equips me with invaluable insights into the unique challenges faced by farmers and ranchers.

🎥 From Film to Finance: Armed with a bachelor's degree in film production, my journey took a surprising turn into the realm of insurance. While my background may seem unconventional, it fuels my passion for creative problem-solving and innovative solutions.

🐎 Embracing Life's Adventures: When I'm not immersed in insurance matters, you'll find me chasing adrenaline as a Barrel Racer, capturing life's moments behind the lens, indulging in my passion for writing and directing, or carving fresh tracks on the snowy slopes.

🏡 Country Living: Together with my husband, we savor the simplicity of country life, sharing our home with a delightful menagerie of pets and horses.

Why Choose Me as Your Insurance Partner?

My journey in insurance isn't just about policies and premiums—it's about forging meaningful connections and empowering you to navigate life's uncertainties with confidence. As your dedicated insurance partner, I'm committed to understanding your unique needs and delivering tailored solutions that provide genuine peace of mind.

Partnering with PFS Insurance Group, I leverage years of industry expertise and a vast network of specialists to offer comprehensive coverage options that safeguard what matters most to you.

Ready to embark on your insurance journey? Let's start a conversation today. Reach out to me at 970-522-8888 or via email at [email protected]. Together, we'll navigate the path to your financial security and peace of mind!

Call now to connect with business.