Agri-Services Agency Blog

Working on a farm is said to be one of the most dangerous occupations in the United States. Because of this it’s important for farmers to carry farm workers compensation insurance as protection for their workers and their businesses. Workers’ compensation insurance is complex, and a farmer may benefit from engaging a local insurance agency where staff members are knowledgeable about the local agricultural industry and experienced in handling workers’ compensation insurance matters.

Farm workers’ compensation insurance pays for medical expenses, loss of wages and permanent loss of earning capacity of farm workers who are injured at work or suffer from work-related illness. A farmer who carries this type of insurance is protected from the risk of being sued by a worker because of work-related health problems or injury.

Managing a farm’s financial affairs is a difficult task and farmers who wish to reduce the cost of workers’ compensation insurance are encouraged to focus of safety on the job, to reduce the risk of workplace injury. Training workers in safe practices, using safety features on farm equipment and providing safety gear such as goggles and gloves can all help to prevent accidents. Helping employees to return to work after an accident is another way of reducing the losses that can affect workers’ compensation insurance premiums.  

Emphasizing farm safety and carrying proper farm workers compensation insurance helps to protect both farmer and farm worker. Talk to an agent if you need guidance through the complexities of insurance for your farm or farm workers.
 

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