Farm Workers’ Compensation provides coverage where standard farm liability does not for work-related injuries.
SECURA’s Farm Workers’ Compensation insurance helps to cover the financial burden of medical and rehabilitation expenses for your workers, helping them get back on their feet. It also provides a wide range of resources to help educate you and your workers to reduce risks on your farm.
Features of Farm Workers’ Compensation insurance
SECURA Farm Workers’ Compensation policyholders also have access to the following features that help reduce costs and streamline care:
SECURA’s Return-to-Work program helps get injured employees back on track. Our claim representatives work directly with all involved to help minimize the emotional and economic impact that occur when a workplace injury happens. Once a claim is filed, we work with the injured employee and their doctor to determine appropriate work duties and restrictions.
When farm employees are injured, a call to Nurse Hotline gives them immediate 24/7 medical advice from a registered nurse, and results in reduced claims with more than 40 percent of injuries reported to the hotline resulting in employees going back to work without a claim. Fewer claims reduce costs since most injuries can be treated with self-care methods without any hospital visit. With every call digitally recorded to ensure accuracy and provide accountability, if a report is disputed or needs to be investigated, a precise version is available.
When a farm incident goes beyond injury to tragedy, it can result in emotional trauma for all involved and require psychological support in addition to any medical treatment.
Our Crisis Care service can provide a qualified evaluation with an accredited call center that will help determine next steps. Master-level behavioral health specialists provide the convenience of on-site visits as needed, with customized support for large and small groups, as well as individual psycho-educational care as needed.
Policyholder benefits that work
Common questions about Farm Workers’ Compensation insurance
What is Workers’ Compensation insurance?
Farm Workers’ Compensation helps provide coverage for medical expenses, lost wages, and rehabilitation costs for employees who are injured or become ill while working, as well as as survivor benefits for families of employees. It also provides resources to medical professionals for guidance during rehabilitation.
How to get Workers’ Compensation insurance?
Farm owners can speak with their insurance agent to discuss their specific needs to create a Farm Workers’ Compensation plan that is right for the size and overall risks at your specific farming operation.
What does Workers’ Compensation insurance cover?
Workers’ Compensation provides benefits to workers hurt or ill from work-related reasons, such as disability, lost wages, and death benefits.
SECURA offers farm coverages in eight states, and we are proud to support the communities that have welcomed us for more than a century.