Buy Workers' Compensation for Agriculture, Forestry & Fishing

Workers’ compensation premiums are calculated, in part, by the kinds of work performed. Many businesses have multiple functions performed by different kinds of employees - others have just a few people who wear many different hats. It’s important to classify employees accurately - based on what they spend the majority of their time doing - because this could alter your premium dramatically.

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What to Know

  • This industry includes all jobs related to growing crops, harvesting timber, and raising or harvesting animals.
  • Agriculture, forestry and fishing jobs are accident-prone and often higher risk compared to other industries.
  • If you are a licensed commercial fisherman and are injured or become ill due to fishing-related activities on shore in Alaska or in Alaskan waters, you can receive funding for treatment and care from the state Fishermen's Fund.

Potential Hazards

  • Heavy equipment, dangerous machinery, exposure to chemicals, working at heights, with animals or outdoors can all make for potentially hazardous working conditions.
  • Working at heights above 15 feet will make your business a greater risk.
  • If you perform work outdoors, your level of risk could vary depending on your location and climate (extreme heat, snow, natural disasters).

About Work Class Codes

Many businesses have several work class codes that describe what their employees do. It’s important to classify each group of employees accurately because it could alter your premium dramatically.

Agriculture, Forestry & Fishing Work Class Codes

  • Forestry services
  • Logging & stump removal
  • Fishing
  • Farm labor contractors
  • Crop insect control

Other Tips

If you employ workers in multiple states or your employees are temporarily working out-of-state, you need to purchase insurance for all the states where your workers are located, according to each state’s laws.

The nature of your business, number of employees being covered and past coverage and claims are all factors in how much your premium will cost.

Learn more about workers’ comp insurance rates >>

Here's What You Need to Get Started

To buy workers compensation insurance, you need to request a quote from a licensed insurance agent and provide some details about your business.

Here’s what to have in front of you:

  • Number of employees in each class code.
  • Total payroll for all employees. You may be able to exclude yourself if you don't wish to be covered under the policy. 
  • Federal ID Number. If you are a sole proprietor, you can use your Social Security Number.
  • Copy of your workers comp insurance policy, if you've had coverage or claims in the past few years. If you know your company's experience mod, please have your experience mod rating sheet or policy in front of you. Otherwise, you will be assigned a default rating of 1.0.

The information on this page has been interpreted and summarized for your convenience. Please consult your state's governing authority for the most current and complete legislation.