Farm Workers’ Compensation insurance

Workers’ Compensation insurance can be a huge relief for farmers and farm workers who might not have the financial resources to handle injuries on their own.


Farm Workers’ Compensation provides coverage where standard farm liability does not for work-related injuries.

A day on the farm is fast-paced, and accidents sometimes happen when you lose focus. Other times, accidents are beyond your control. Either way, if you don’t have the right insurance coverages to pay for an employee’s medical bills incurred after being injured while working at your farm, it can have a devastating impact on you and your employees’ lives and livelihood.

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:

Return-to-Work program

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.

Nurse Hotline

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.

Crisis Care

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

Risk management services

Our policyholders have unlimited access to a wealth of safety talks, safety programs, on-demand videos, and other loss prevention resources. Our risk management team provides on-site consultations to help identify safety improvements and provide customized loss prevention guidance.

Exceptional claims experience

Our dedicated claims team is empathetic and strives to listen and answer any questions to ensure a full understanding of our process. When you notify us of a loss, we’ll call you within 24 hours, follow up regularly, and work with you until your claim is resolved.

Independent local agents

SECURA works with licensed independent agents in your community who help you find the right insurance solutions for your farm. As your farm grows, our independent agent partners can help you understand how your insurance needs may change.

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.


Since 1900, we’ve been known for our genuine people and exceptional service. By working with an experienced insurance provider who understands the risks and needs of your farming operations, you can ensure you have the right coverage to protect your investment and keep your farm running smoothly. In partnership with our independent agents, we can provide a custom insurance policy perfect for your unique needs.

SECURA offers farm coverages in eight states, and we are proud to support the communities that have welcomed us for more than a century.

Coverages may not be available in all states. Coverages described are subject to all the terms and conditions of the policy, including deductibles, exclusions, and limits of liability. Not all agents are authorized to write all types of insurance. Policies may be underwritten by SECURA Insurance Company or SECURA Supreme Insurance Company, affiliated companies referred to collectively as SECURA Insurance Companies. Please read the policy carefully. Any claim example is for educational and informational purposes only. The information in this document will not be used to determine the coverage of an actual claim presented. All claims are adjusted based on the relevant facts, conditions and coverages at the time of loss. For specific terms and conditions, please refer to your coverage form. Coverage is also subject to applicable deductibles and limits of coverage.

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