Workers Compensation for the Agricultural Industry

Not every farming or agricultural business in Kansas is required to carry workers compensation. Whether you have to do it or not, it’s a good idea when you’ve got employees working on your land and farm. Why? Because farming accidents can be debilitating and drastically reduce the income of the person who got hurt — as well as the productivity on your farm.

Some injuries are run of the mill strains, sprains, and muscle pulls, but even those injuries can stay with your worker for a long time. Other injuries involve heavy machinery or the animals you’re caring for. When someone who works for you gets hurt, you’re responsible for their medical expenses and lost wages.

Do you want to pay out of pocket everytime someone gets hurt on a farm? Of course not. The right agriculture workers compensation policy will take care of the people who help you take care of your farm. It will also protect you from out-of-pocket expenses and lawsuits that can cripple your business.

What does workers compensation do?

  • Pays the medical expenses of your employee for their injury.
  • Covers their lost wages, up to a specified amount and for a specified amount of time.
  • Pays death benefits to the family if the worst happens and one of your employees dies on the job.
  • Covers you if an employee or a grieving family member decide to sue.

Even if you’re in an agricultural business that doesn’t require workers compensation, it’s still a good idea to have it. Taking care of employees and giving them a sense of security that they’ll be okay even if they get hurt makes them want to work for you and keeps them around longer. Experienced hands on a farm can make all the difference at certain times of the year.

If you’ve got questions about your existing workers compensation policy or you need a quote for a new policy, contact Copeland Insurance Agency. We’re here to help you find the best policy for the best price.