Farm Workers Compensation

Protect your workers.

Beyond the compliance requirements of state law, insurance is necessary to protect your operation and your workers' livelihoods. Two key coverage areas are Workers' Compensation and Employer's Liability.

Workers' Compensation
Workers' Compensation coverage provides financial, medical and rehabilitation assistance for workers injured on the job or for those suffering from job-related industrial disease. This insurance includes a percentage of average earnings during a period of disability, a pension or settlement for a permanent disability, and medical and hospital treatment to cure and/or relieve the effects of the injury.
A payment and pension are available to dependents in the event of a fatality.

Employer's Liability
Employer's Liability protects against a variety of common law exposures for claims not covered by workers' compensation. Just like your liability insurance, you are protected up to the maximum limit you purchase.

Coverage protects you against:

• Third party claims for liability arising out of an injury to your employee
• Consequential bodily injury to spouse, child, parent, brother or sister of your injured employee
• Damages for care and loss of services

The farm services experts at Maritime will work with you to explain how the laws work for you and your employees, guide you through proper application of the regulations and answer your questions. We're here to help you understand the process, your coverage, rights and obligations as an employer.