Farming can be hard, but every business can get insurance that covers the risks associated with that particular business. And the risks in farming and raising

Farming can be hard, but every business can get insurance that covers the risks associated with that particular business. And the risks in farming and raising livestock include total loss of crop or livestock from weather and or disease. In this case, it's not the farming that's the issue, it's the lack of setting up your business to handle the known risks of that business. While it may be unnecessary, which I'm not entirely sure about, if it's how things have been done for 200+ years, you ought to be able to look around that corner and see that you need a plan B for that day. Crop and livestock insurance is a well trodden path in farming, and you either need to have the cash on hand to replace your entire operation or you need to insure for the possibility that your crops don't turn out or your livestock is seriously diseased. This applies to all businesses really.