That's true. But your workman's comp from your "day job" will not cover. Health insurance from an employer should. But I can see some of the smaller health insurers trying to deny a claim be cause you were "working a separate job" and they could claim that the 2nd job, in this case, your farm should have WC coverage insurance.
The thing is you need to both talk to your agent and in some states a lawyer who specializes in insurance law. In MN the requirement to become an agent isn't too tuff. You really don't have to know much about the laws, just the different types of policies. Getting a job as an adjuster with an insurance company requires little or no training. Getting an independent adjusters license requires a difficult test and a great deal of knowledge about insurance and MN insurance law. My insurance agent is a good guy but isn't nearly as knowledgeable about MN insurance law as he would like to think.
Everyone should read all of their policies. Then if there is something you don't understand ask your agent. If you still don't understand talk to a lawyer. The time to understand your policy is not when your are laying in a hospital bed or kicking through the ashes of your shop/home. We are all on the internet here. Research your company. Some are much better than others. You may need to find another carrier just to protect yourself.
Some insurance companies are selling policies on line that may not be legal in your state. Again Google is your friend.
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