Buying workers’ compensation for:

Agriculture, Forestry and Fishing

Agriculture, Forestry and Fishing

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).

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.

Other Tips

If your insured employs workers in multiple states or your insured’s employees are temporarily working out-of-state, they need to purchase insurance for all the states where their workers are located, according to each state’s laws. Call 1-800-476-2948 and let us walk you through it.

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