Agriculture & Farming Insurance
Workers Compensation Insurance
for Agriculture & Farming
Agriculture has one of the highest injury rates of any industry. Workers compensation is legally required in most states when you have employees, and it covers medical expenses and lost wages when a worker is hurt on the job — protecting both your employees and your operation from the financial impact of workplace injuries.
Industry-Specific Insight
Why Agriculture & Farming Businesses Need Workers Compensation Insurance
Agriculture has one of the highest injury rates of any industry. Workers compensation is legally required in most states when you have employees, and it covers medical expenses and lost wages when a worker is hurt on the job — protecting both your employees and your operation from the financial impact of workplace injuries.
Coverage Details
What Workers Compensation Insurance Covers
Key protections included in a workers compensation policy for agriculture & farming operations.
FAQs
Common Questions from Agriculture & Farming Businesses
Are seasonal farm workers covered by workers compensation?
In most states, yes — seasonal and part-time agricultural workers are typically covered. Requirements vary by state, so we help you understand exactly what's required in each state you operate in.
What happens if a farmhand is injured operating equipment?
Workers compensation covers medical treatment, rehabilitation costs, and a portion of lost wages for the injured worker. It also protects you from personal injury lawsuits from employees.
Is workers compensation required?
In most states, yes — businesses with one or more employees are required to carry workers comp. Requirements vary by state and sometimes by industry or number of employees. A licensed agent can clarify what applies in your state.
What happens if I don't carry workers comp and an employee is injured?
You could be personally liable for the employee's medical costs and lost wages, face significant fines, and be exposed to a lawsuit. The financial and legal exposure of operating without required coverage is substantial.
Complete Coverage
Other Coverages Agriculture & Farming Businesses Commonly Need
A complete protection plan for agriculture & farming operations typically includes several complementary coverages.
Agriculture & Farming · Workers Compensation
Get Workers Compensation Coverage for Your Agriculture & Farming Business
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