First of all, you may be required to carry workers’ compensation which is the primary way we address the risk of injury to farm workers. See our pathway Do I need workers’ compensation? for more on that. If workers’ compensation is not required for your farm, you’ll still want to insure for injuries to farm workers.
Our free resource, Farm Insurance Basics, provides a helpful basic overview on workers compensation insurance and also personal injury insurance, which you need to cover farm workers’ injuries. Also, hear directly from a labor law attorney on workers’ compensation insurance and what it’s all about and how it functions in a practical setting in our free 16min. Podcast Episode Seven: Got Coverage?
For more detailed information, check out our print guide, Managing Farm Risks With Insurance, which explores workers compensation in detail and also gets into coverage for farm business owners and business partners, and their options for insuring against personal injury on the job.