Former farm kids — today’s farm insurance experts: Kayla Smith

On a small family-owned dairy farm in Oconto Falls, Wis., home to 100 dairy cows and four little farmhands, Kayla Smith grew up and learned the ways of the farm.

Kayla when she was little sitting on a tracker at her families farm and a photo of her now working at secura holding a photo of her family farm.

Kayla Smith’s Story

On a small family-owned dairy farm in Oconto Falls, Wis., home to 100 dairy cows and four little farmhands, Kayla Smith grew up and learned the ways of the farm. Kayla and her three brothers lived the farm life their entire youth, but when it came time to decide who would take the farm over from their dad and uncle, they all had other plans. Though the farm she grew up on is no longer milking cows, it gave Kayla many stories to tell and even more memories to cherish.

Kayla left the farm at 18 and headed to the University of Wisconsin-Oshkosh to study business. During her time in college, she worked at State Farm as an office representative for more than three years.

After graduation, she joined SECURA’s Claims Department. She was in the role three years when she learned of a position where she could put her years of farm experience and knowledge to good use with the Farm-Ag Underwriting team.

Kayla started as an associate underwriter in our Farm-Ag Department in January 2017. In this position, she underwrites insurance for farmers in Wisconsin and Michigan.

Daddy’s right-hand girl

Photo of Kayla's family farm.

Kayla’s family farm in Oconto Falls, WI.

While most kids enjoyed a stroll down the road with the family dog, you could find Kayla walking one of the many calves that lived in hutches in her front yard. Kayla made five dollars per week feeding these calves and had names for each one of them.

“At the time I thought the pay was great, but looking back, I think my dad might owe me some money,” Kayla joked.

Living on a farm was especially great in the summertime. One of Kayla’s favorite memories is the hours she spent every day playing on the farm with her cousins and brothers. They never ran out of things to do or games to play; the fun was endless. One of their games resulted in a fractured elbow after Kayla fell 10 feet down a hay shoot. Once it healed, they were right back to their usual shenanigans.

When she wasn’t spending time with her four-legged friends or chasing her cousins, Kayla worked alongside her dad. After many failed attempts to teach her brothers to drive the haybine in a straight line, Kayla’s dad put his faith in her. She didn’t disappoint. Perfecting driving the haybine gave her both bragging rights over her brothers and paid for her car insurance.

From farming to underwriting

Growing up, Kayla never thought her everyday life would someday be of use in her career. Farm life furnished her ability to recognize the needs of farmers as well as truly understand what it means to walk a mile in their shoes. Having members like Kayla on our Farm-Ag team who have true firsthand experience is a great benefit for our agents and policyholders.

Kayla holding a photo of her families farm with other photos hanging up of her growing up on a farm.

Whether she’s talking bulk tanks, milking machines, or silage, Kayla’s farm expertise is second to none. You can take the girl off the farm, but you can’t take the farm out of the girl.

This story is part of a new blog series highlighting the stories and experiences of some of the truly “homegrown” members of our Farm-Ag team.

Find an agent

Our independent agency partners will help you compare coverages and share industry insights as you shop for the right insurance policy for your needs.

Related articles

Three dairy farm safety risks

When it comes to dairy farm safety, training farm workers on the risks is one of the most important steps to minimizing and preventing accidents.

Protecting your hobby farm

SECURA considers a hobby farm to be small farms that the owners operate as a hobby instead of running it as a business.

Farm fire safety: 7 ways to mitigate fire risk

Rural response takes time. Learn how to protect your farm with fire safety best practices. Reduce the risk of equipment damage, animal loss, and more.

Coverages may not be available in all states. Coverages described are subject to all the terms and conditions of the policy, including deductibles, exclusions, and limits of liability. Not all agents are authorized to write all types of insurance. Policies may be underwritten by SECURA Insurance Company or SECURA Supreme Insurance Company, affiliated companies referred to collectively as SECURA Insurance Companies. Please read the policy carefully. Any claim example is for educational and informational purposes only. The information in this document will not be used to determine the coverage of an actual claim presented. All claims are adjusted based on the relevant facts, conditions and coverages at the time of loss. For specific terms and conditions, please refer to your coverage form. Coverage is also subject to applicable deductibles and limits of coverage.

The information provided by SECURA on its Website (the Site) is for general informational purposes only. All information on the Site is provided in good faith, however SECURA makes no representations or warranties of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Site. The information contained on the Website is to the best of our knowledge true and accurate at the time of publication, however it is generally to be used solely for informational purposes. The materials on this website are not guaranteed to be correct, complete or up to date. You should not act or rely only on information on this website.

The Site may contain (or you may be sent through the Site links to other websites or content belonging to or originating from third parties or links to websites and features in banners or other advertising. Such external links are not investigated, monitored, or checked for accuracy, adequacy, validity, reliability, availability or completeness by SECURA. SECURA DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITIES FOR THE ACCURACY OR RELIABILITY OF ANY INFORMATION OFFERED BY THIRD-PARTY WEBSITES LINKED THROUGH THE SITE OR ANY WEBISTE OR FEATURE LINKED IN ANY BANNER OR OTHER ADVERTISING. SECURA WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.


SECURA would like to remind you that the data contained in this website is not necessarily real-time or accurate.

SECURA and any provider of the data contained in this website will not accept liability for any loss of damage as a result of your reliance on the information contained within this website.