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Agricultural Workers' Compensation Insurance

Agricultural Workers' Compensation Insurance Professionals Providing Outstanding Protection

Protecting your workforce with comprehensive coverage tailored to the unique needs of agricultural businesses

33%
of the farming population experience nonfatal injuries annually
133
fatal work-related injuries to agricultural workers last year
3%
of accidents result in permanent disability

Expert Protection

Comprehensive coverage backed by deep industry knowledge

Industry Understanding

We understand agricultural businesses' unique exposures when insuring their operations, property, products, and people.

Comprehensive Protection

Our coverage options are designed to protect against the specific risks faced by agricultural workers and businesses.

Compliance Expertise

We ensure your coverage meets all state-specific workers' compensation requirements for agricultural businesses.

Regional Focus

Our regional focus allows us to provide exceptional service tailored to local agricultural needs and requirements.

Protecting Your Most Valuable Assets

At TruPoint, we understand agricultural businesses' unique exposures when insuring their operations, property, products, and people. While property and products are often insured based on their financial value, we believe the people are these businesses' most important assets.

Unfortunately, physically demanding tasks associated with agribusiness, including heavy lifting, prolonged periods of standing, exposure to harsh weather conditions, and operation of machinery, can increase the risk of injuries among workers.

Wheat growing in a field
Agriculture worker harvesting crops

Industry-Leading Protection

According to the U.S. Bureau of Labor Statistics, agriculture is one of the most dangerous industries in the US. Last year, there were 133 fatal work-related injuries to agricultural workers.

We understand workers' comp insurance is designed to protect you, your trade, and your livelihood and must be meticulously analyzed to ensure the best combination of compliance and coverage.

Agricultural Risk Factors

Understanding the unique risks faced by agricultural workers

Heavy Machinery and Equipment

Farming often requires heavy machinery such as tractors, combines, plows, and other equipment. Accidents involving these machines can result in serious injuries or fatalities.

Manual Labor and Physical Demands

Farm work is physically demanding, involving lifting heavy objects, bending, stooping, and working awkwardly. Prolonged physical exertion can lead to musculoskeletal injuries and strains.

Exposure to Hazardous Substances

Agricultural workers may be exposed to various hazardous substances, including pesticides, fertilizers, and chemicals. Prolonged exposure to these substances can lead to health issues, such as respiratory problems, skin conditions, and long-term illnesses.

Weather Conditions

Farm work is often outdoors, exposing workers to the elements. Extreme weather conditions, such as heat, cold, rain, or snow, can contribute to health problems, including heatstroke, hypothermia, and related conditions.

Biological Hazards

Working with animals exposes farm workers to biological hazards. Injuries from handling livestock, bites, kicks, or diseases that can be transmitted from animals to humans are potential risks.

Seasonal and Time-Pressure Factors

Farming activities are often time-sensitive and subject to seasonal deadlines. This can create pressure to work quickly, increasing the risk of accidents due to haste or fatigue.

Isolation and Remote Locations

Farms are often located in rural or remote areas, making it challenging for emergency services to respond quickly in case of an accident. This isolation can delay medical assistance, potentially worsening the outcome of an injury.

Livestock Handling

Handling large and sometimes unpredictable animals poses inherent risks. Even experienced farm workers can face injuries from incidents such as animal kicks, bites, or being knocked over.

Uneven Terrain

Farms may have uneven terrain, including fields, pastures, and rough landscapes. This uneven ground increases the risk of slips, trips, and falls, leading to injuries.

Ready to Protect Your Workforce?

Get started today with comprehensive workers' compensation coverage tailored to your agricultural business needs

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