I raise a lot of seed beans and there are always germination clauses in the contracts usually with incentives. For example: Base minimum germ is 85% so anything under this gets sold as commercial edible beans for a reduced price of course. 90%-92% usually will see a 1 cent increase, 93%-95% will see a 2.5 cent increase, 96% + will see a 5 cent increase. So it can make you quite a bit of money to get the premiums.
Now as for how the combine affects that there are several factors. Moisture, if you are below about 8% moisture you are just going to get germ damage.....more splits and skin checks. Prefect moisture would be 14% this is where the least amount of seed damage would occur. Skin checks are determined by doing a soak test, take a sample, pick out 100 beans and dump them in water for 30 seconds (for navies) some beans take more time in the water but navies have really thin skins. After 30 seconds you take them out and pick through them to see which ones have a tear in the skin. You want to be below 5% I prefer to be between 2.5 and 3%. The combine inflicts this damage through augers, elevators rotors ect............ No one uses a conventional machine around here to do seed beans with, all of it is done with rotaries. The standard used to be the old case/ih 1460-2188's. Increasingly you see them being out done by the STS Deere's which is what I use currently.