Introduction
As an agricultural business, you are aware that an injury can transpired any day and the occupation is considered high risk. In this article, we are going to discuss why workers’ compensation insurance is a must.
What Kind of Injuries Can Be Expected During Agriculture Work?
As a high risk profession in reference to workrelated injuries. Some common causes to injuries are:
Vehicle Accidents
The vehicles used in farming are common causes of accidents as a survey reports more than 1500 deaths by farm tractors in 8 years. The heavy vehicles used during farming such as tractors, harvester, and ATV are the cause of half of the accidents in the agriculture sector and can become lifethreatening.
High Heat Exposure
The workers in agriculture are heavily exposed to environmental hazards, which leads to sickness. Such environmental hazards are hot conditions resulting in heat stroke, rashes, cramps, dehydration, and other illnesses.
Falls
Accidental falls and slips during work are also major causes of injuries. According to the Bureau of Labor Statistics, injuries from falls and slips are higher in the agricultural sector than in transportation or manufacturing.
The Importance of Workers’ Compensation Insurance
Workers’ Compensation insurance plays a vital role in protecting your business from financial loss and ensuring proper care to your employees. Since it is a high-risk industry, the insurance allows the employers to have a peace of mind that if an injury arises, an insurance carrier will payout the claim. And their employees are going to be medically and financially taken care of.
States Requiring Workers’ Compensation for Agriculture
The 13 states that requires employers to have a workers’ compensation coverage, despite the number of employees are:
Delaware, Alabama, Georgia, Arkansas, Indiana, Kentucky, Kansas, Missouri, Mississippi, North Dakota, Nevada, Nebraska, Tennessee, South Carolina, Texas
What is Included in Workers’ Compensation for Agriculture Businesses?
Workers’ compensation will provide you coverage for
– Immediate medical treatment
– Ongoing Health care expenses
– Rehabilitation of the injured employees
– Wages lose for injured employees
– Any legal issue or lawsuit
