b'THE IMPORTANCEOF FARM PACK POLICIES John started writing farm pack policies for JR George clients in the late 1970s. As the name suggests, farm pack policies are designed with farmers in mind and customised to cover the full gamut of farm activities and risk profilesthe things the major insurers wont do. When Allan and Brian joined the business, their combined expertise with rural clients made farm pack policies essential to the companys offerings. However,a farm pack policy had to be backed 58by an underwriter. John had a bad experience with an underwriter for one of his farm pack policies in the late 1970s. In the mid-1980s, a joint venture called Commercial Farmers Insurance Agencies was established to carry MGAs farm pack policies. By the mid-1990s, that venture had faltered as the underwriter became more challenging. In 1998, Millennium was formed to become the chief underwriter for MGAs farm policies. Creating Millennium gave MGA the controlit needed to deliver effective policiesto its rural clients. RightVerena Davieswith client, 2022.'