I am not an insurance expert, so this is not "absolute" information. I do believe that the workman comp rules vary by state, and do change over time.
In the late 70's I was a subcontractor for residential carpentry. I hired a couple of carpenters and worked on the job myself. A scaffold broke and I rolled backwards falling 16 ft to paved driveway. Luckily I did not break my back or neck, but did make a broken mess of my right arm. I had been paying workman's comp (exceeding 25% of my payroll) over a 3 year contract. WOOPS! Workman's comp only covered my employees, not me (that would have doubled my premiums). Never had a claim by any employees, and my own claim was denied. I took a real loss on that job as I had to hire another foreman, and he wasn't a good foreman. As a follow-up, I dropped the WC at the end of that contract year and was harassed by the State of MN to get another workman's comp contract. I sent them a letter stating that I would not be hiring any employees, any work that I might take on, I'd be doing by myself.
Now as a farm owner without employees, I have never heard of workman's comp being needed for a farm. The exemption of need for W.C. extends to your family members, as I understand the current law. I do have a farm ins agent and pay for a policy for liability and personal injury. It is a broad farm policy with a major nationwide ins co.
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Today's Featured Article - Listening to Your Tractor - by Curtis Von Fange. Years ago there was a TV show about a talking car. Unless you are from another planet, physically or otherwise, I don’t think our internal combustion buddies will talk and tell us their problems. But, on the other hand, there is a secret language that our mechanical companions readily do speak. It is an interesting form of communication that involves all the senses of the listener. In this series we are going to investigate and learn the basic rudimentary skills of understanding this lingo.
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