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What is Workers' Compensation for Farm Workers?
Workers’ Compensation, also known as Workman’s Comp, is business insurance that provides for the medical care for workers who suffer work related injuries or illnesses and also provides for lost wages due that arise when the employee is injured and cannot work.
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Workers compensation coverage helps protect your business in many ways including protection against:
Why do Farm Business Owners need insurance?
There are different kinds of farms in the agricultural industry, but the risks and hazards can be common to most farms workers. It may include:
• injuries inflicted by animals like bites, kicks, or transmission of infectious disease such as giardia, salmonella, ringworm and leptospirosis
• dangers from faulty switches, cords, machinery or overhead power lines
• machinery hazards including tractors, chainsaws, motorbikes, etc.
• hazards from sunburn, heat stroke, dehydration and hypothermia
Although farmers are usually part of the exemptions in the mandatory workers’ compensation coverage, with these possible dangers that a farm worker may face, it is just wise to apply for one. That is why getting a workers’ comp is a must. SynchronoSure®’s Workers’ Compensation, also known as Workman’s Compensation, is a business insurance that provides for the medical care for workers who suffer work related injuries or illnesses and also provides for lost wages due that arise when the employee is injured and cannot work.
Farmers are at great risk of heat stress since they are exposed to extreme heat from the sun. It can start with heat cramps, then it can progress to heat syncope, heat exhaustion, or heat stroke. Aside from heat-related maladies, farm workers may also suffer from respiratory diseases, noise-induced hearing loss, skin disorders, certain cancers, and chemical toxicity. The famers’ labor sustains the country’s food industry and crop revenue. They should not be abused, each of them must have a workers’ comp benefits.
We at SynchronoSure® have a great number of class codes for small business workers’ comp. It gives the employers and employees the necessary protection while doing the tasks at work. Employers are protected from paying the medical needs of the injured employees from their own pockets. Workers’ comp also protects the employees from lost wages due to inability to work because of the job-related injury or disease. When the injury results to the death of the worker, the family of the deceased will receive funeral and death benefits.
Protect your business as you work. Apply for our work injury compensation today.