When hail wiped out 70 percent of the 2006 apple crop at Broetje Orchards, Ralph and Cheryl Broetje and their management team had a decision to make. The insurance company would pay on the business’s policy only if no further harvesting of the orchard’s fruit were done. If they agreed, the Broetjes would recover some of their costs. But hundreds of their year-round workers would lose their jobs, and migrant workers would be left unemployed.
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