Posted by kyhayman on February 20, 2011 at 06:37:23 from (99.197.64.56):
In Reply to: O/T Workers Comp. ins. posted by 37 Chief on February 19, 2011 at 23:07:13:
What my insurance agent told me was that my farm owners covers up to 5000 in medical payments. After that liability would take over if I'm liable for the injury or damages. I dont have a lot of employees, rarely more than 1 or 2 at any one time and most of them are clearly independent contractors (truck drivers with their own trucks, people hired flat rate by the job, etc). So far I've only ever had 2 claims, guy got kicked in the chest by a calf and another guy had a tree limb smack him in the face. Each state has its own rules as to who and at what level they have to have w.c. ins. Here farms with less that a certain number of employees are exempt. I got really worried about needing it and talked to my ins agent. Was fully prepared to pay what it cost. Several million dollars in umbrella liability coverage cost less than basic w.c. insurance and its a nightmare of paperwork since I dont have anyone as a regular full time employee.
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