Steve Harms, born and raised in Sumner, Iowa, began his career in 1973 as a seasonal crop adjuster—an opportunity sparked by his father’s suggestion—and joined Rain and Hail full-time in 1976. Over the following decades, Steve climbed through increasingly significant roles, including Field Supervisor, Assistant Midwest Division Manager (1979), Vice President, Senior VP, and Executive VP by 1992.

In 2001, Steve became President of Rain and Hail, L.L.C., shortly thereafter assuming leadership of multiple entities across the company’s global operations. By 2005, he had been named both President and Chairman of the Board, holding those titles until his retirement in January 2012, after 36 years of service .

Global Expansion & Industry Leadership

Under Steve’s guidance, Rain and Hail expanded beyond U.S. borders—establishing operations in Mexico, Brazil, and Canada. His leadership extended well past the company: he served as Chairman of the National Crop Insurance Services (2009–2011) and the American Association of Crop Insurers (2006–2008), and he testified before Congress in support of federal crop insurance programs.

In recognition of his career-long contributions, Steve received the Crop Insurance Industry Lifetime Achievement Award in 2018, and was inducted into the Iowa Insurance Hall of Fame that same year.

Professional Philosophy & Personal Values

Steve never sought to lead the largest company—only the best. His leadership style was infectious, marked by high integrity, deep empathy, and a focus on building strong, personal relationships with agents, adjusters, colleagues, and agricultural producers.

He also remained deeply connected to his Iowa roots. Steve served on advisory boards for both Bankers Trust Company and his alma mater, Upper Iowa University, contributing through both service and philanthropy.

A Legacy Beyond Work

Steve and his wife of 40 years raised five children and later embraced the role of grandparents—stories of family life often include treasured moments fishing, laughing, offering guidance, and making others feel valued. Friends describe him as a natural mentor, whose encouragement shaped countless careers in both business and agriculture.

A Lasting Tribute

Steve Harms passed away unexpectedly on July 9, 2025. He retired in 2012 after 36 impactful years with Rain and Hail and leaves behind a profound legacy of leadership, service, and compassion.

The company expressed its “deepest sympathy” to his family and friends, noting that “he will be missed by many”.

Impact & Remembrance

  • Business impact: Guided Rain and Hail through significant domestic growth and international entry, earning lifetime industry accolades.
  • Advocacy: A prominent voice in shaping federal agricultural policy and strengthening the crop insurance safety net.
  • Mentorship: A trusted, caring leader remembered for lifting others professionally, personally, and emotionally.
  • Community & philanthropy: Actively supported his alma mater and served widely on corporate and community boards.

Final Thoughts

Steve Harms was a visionary executive who balanced global business strategy with heartfelt service. He built strong teams, stood for integrity, and advocated tirelessly for farmers and communities. Personally, he cherished his roles as husband, father, and grandfather—he lived fully and loved deeply.

Rain and Hail’s heartfelt tribute—“He will be missed by many”—resounds across the agricultural community and beyond. May his memory continue to inspire commitment to excellence, mentorship, and compassionate leadership.