A business takes out Workers Compensation insurance to pay for medical treatment, lost wages and death of an employee. As an agricultural employer, workers comp insurance can be purchased to protect citizens, non-citizens and minors. The definition of an employee is recognized as any individual that is hired to provide service or perform a task at the direction of the business manager.
The cost of insurance is based heavily on the service that you provide. Agricultural workers do not face high risks, and costs are about average.
Common injuries for agricultural workers
- Injuries from heavy lifting and repetitive motion
- Injuries due to heavy equipment or machinery
- Occupational Illnesses due to insecticides and herbicides
Another aspect to consider is the amount of full-time and seasonal workers that you employ. Seasonal workers have a large impact on how much your premium will cost but need to be included in the policy.
If you would like to purchase Workers Comp insurance for agriculture we can help you to purchase a stand alone policy or a PEO/Employee Leasing service. Both cover workers comp but the right product depends upon your company’s operations.
If you are searching for stand alone workers comp insurance for agriculture we will help match you with the best provider in your state. However, many agricultural businesses are small operations making PEO/Employee Leasing a better option than stand-alone. A small business can get the low cost coverage they need with more flexibility in payment by purchasing Workers Comp and Payroll together.
Liability Insurance for Agriculture can cover your business from many types of risks. It is important to note that this coverage is inherently separate from any workers compensation policy that may otherwise be purchased. The amount of coverage that your business needs to purchase will depend heavily on your unique needs. Speak with an expert about your day to day operations so that we can recommend what type of protection that you need. We will be happy to assist you in any way we can.
We currently cover 46 states including insurance for agriculture in Florida, Texas, California, Arizona and Louisiana.