What is Dairy Farms Workers Compensation (class code: 36)?
Dairy Farms Workers Compensation insurance, classified under class code 36, is designed to provide coverage for employees of dairy farming operations who may be injured or become ill due to job-related activities. This type of policy helps cover medical expenses, lost wages, and rehabilitation costs resulting from workplace incidents. It is a critical component of risk management for farms with physical labor, machinery use, and interaction with livestock.
Who needs it
Any business or operator involved in dairy farming—including independent farmers, agricultural cooperatives, and commercial dairy operations—should carry workers compensation coverage. This is especially important for employers with full-time, part-time, or seasonal workers exposed to physical labor, animal handling, and equipment use. It may also be required by state law, depending on the number of employees and the jurisdiction.
What it typically covers
Standard dairy farm workers compensation insurance typically includes:
- Medical treatment for work-related injuries or illnesses
- Wage replacement during recovery periods
- Ongoing rehabilitation or physical therapy
- Disability benefits, if applicable
- Death benefits to surviving family members in fatal cases
For example, if a worker suffers a back injury while lifting heavy feed bags, the policy may cover medical costs and lost wages during recovery.
Common exclusions or limitations
While this coverage is extensive, it does not typically cover injuries that occur outside the scope of employment, intentional self-harm, or incidents involving intoxication. Independent contractors and volunteers may also fall outside of the policy unless specifically included.
Exclusions may also apply to certain equipment-related accidents if safety protocols were not followed. Always review your policy's terms and risk management requirements carefully.
Factors that influence cost
Several underwriting factors can affect the premium for dairy farm workers compensation, including:
- Number of employees and payroll size
- History of workers compensation claims
- Type of tasks performed (e.g., milking, maintenance, livestock care)
- Location and safety practices in place
Implementing workplace safety programs and maintaining a clean claims history can positively influence your rate.
Proof of insurance & compliance
Most states require employers to maintain proof of workers compensation coverage. Certificates of insurance (COIs) serve as official documentation and may be needed for audits, inspections, or business contracts. Failure to carry adequate coverage can result in penalties or legal exposure.
How to get a quote
If you operate a dairy farm and need reliable workers compensation coverage, we can help. Our team connects you with the right markets to ensure your farm is protected against employee injury-related losses.
Request a quote today to protect your team and meet compliance requirements.
For similar agricultural operations, you may also be interested in Poultry, Sheep and Egg Production Workers Compensation or Farm Machinery Operations Workers Compensation.
Frequently Asked Questions
Is workers compensation insurance required for small dairy farms?
Requirements vary by state, but many jurisdictions mandate coverage if you have employees. Always check with your state’s labor department.
Does this insurance cover seasonal or temporary workers?
Yes, many policies can be adapted to include seasonal or part-time laborers, depending on your insurer and state regulations.
What happens if an employee is injured using farm equipment?
If the injury occurred during normal job duties and wasn't due to willful misconduct, it’s typically covered under workers compensation.
Can I include family members working on the farm?
Some states allow you to include family members, while others may exempt them. Clarify this with your insurance provider.
How soon should I report a workplace injury?
Injuries should be reported as soon as possible, ideally within 24 hours, to begin the claims process and remain compliant.
Still have questions? Talk to a local insurance expert.