Every state has different laws when it comes to workers comp, but typically farmers have the option of purchasing this insurance OR having "employers liability" added to the farm insurance policy...if you have a certain number of employees under the amount set by your state. There is significantly more coverage under workers comp than under employers liability. Your unique operation will determine which is right for you.
One difference is what happens in the case of a claim. If one of your employees is injured and you don't have workers comp, your employers liability coverage may set you and your employee as adversaries in the process, possibly requiring them to sue you in order to get benefits to take care of their injury.
If you have questions or would like a quote, please e-mail us at firstname.lastname@example.org or call us at 309-680-1200 .