From Humble Beginnings to Industry Titan
The passing of Steve Harms, former President and Chairman of Rain and Hail, has sent waves of sorrow through the agricultural and insurance communities across the country. Born and raised in Sumner, Iowa, Steve began his career in 1973 as a seasonal crop adjuster—a decision that would unknowingly shape an extraordinary legacy. What began as a father’s suggestion turned into a lifetime of leadership, service, and global impact.
By 1976, Steve had joined Rain and Hail full-time, steadily climbing through leadership roles, including Field Supervisor and eventually Executive Vice President. His work ethic, empathy, and strategic brilliance earned him the role of President in 2001 and Chairman of the Board shortly after. By the time he retired in 2012—after 36 years—Steve had transformed the company from a regional firm into a global leader with operations in Canada, Mexico, and Brazil.
His leadership extended far beyond the boardroom. He was a respected advocate for federal crop insurance, serving as Chairman of both the National Crop Insurance Services and the American Association of Crop Insurers. His voice reached Congress, where he passionately supported policies to protect American farmers and rural communities.
A Life Rooted in Values, Guided by Integrity
Steve never measured success by numbers, but by people. He often said he didn’t aim to lead the biggest company—just the best one. Those who worked with him say he led not from a pedestal, but beside his team. His handshake meant something. His encouragement carried weight. His empathy set a tone that turned colleagues into family.
His deep Iowa roots grounded him. Despite his immense influence and accolades—including the 2018 Crop Insurance Industry Lifetime Achievement Award and induction into the Iowa Insurance Hall of Fame—Steve remained humble. He served on the boards of Bankers Trust and Upper Iowa University, always giving back to the community that shaped him.
More than a business leader, Steve was a mentor. His presence in a room brought calm. His words brought focus. Countless professionals found not only guidance in his leadership, but also deep, genuine care. He remembered names, asked about families, and made every person feel like they mattered—because to him, they did.
A Gentle Giant of Family, Legacy, and Love
Above all, Steve Harms was a devoted husband, loving father to five, and proud grandfather. His legacy shines brightest in the memories his family now holds: quiet fishing mornings, long talks filled with wisdom, warm laughter that filled the room, and endless moments of love, support, and unwavering presence.
His sudden passing on July 9, 2025, has left a void that words can barely express. Rain and Hail’s heartfelt message—“He will be missed by many”—captures just a fraction of the grief felt by those who knew him. But more than sorrow, there is deep gratitude: for the example he set, the values he lived, and the hearts he touched.
Steve Harms taught us that leadership is about lifting others, that success is rooted in relationships, and that life is best lived with compassion and conviction. He leaves behind a world far better because he was in it—and countless people who will carry his spirit forward.
Rest in peace, Steve. Your legacy lives on.
