What is Field Crops Workers Compensation (class code: 171)?
Field Crops Workers Compensation insurance is designed to protect agricultural employers and their employees who work in the planting, cultivation, and harvesting of field crops. This includes crops such as corn, wheat, soybeans, cotton, and more. Classified under NCCI class code 171, this workers’ comp coverage provides benefits to employees who suffer job-related injuries or illnesses.
Who needs it
Any business engaged in growing and harvesting field crops with hired labor typically needs workers compensation insurance. This includes:
- Commercial farms
- Family-owned crop operations with employees
- Seasonal agricultural employers
- Farm labor contractors
In most states, coverage is required by law once you have a certain number of employees. Even in states where it's optional, having coverage helps protect your business from costly injury claims.
What it typically covers
Workers compensation insurance for field crop operations generally includes:
- Medical expenses for work-related injuries or illnesses
- Partial wage replacement during recovery
- Rehabilitation services
- Death benefits for surviving dependents
Coverage applies to accidents that occur on the job, such as equipment injuries, heat exhaustion, or slips and falls in the field.
Common exclusions and limitations
While coverage is broad, there are common exclusions, such as:
- Injuries resulting from intoxication or drug use
- Self-inflicted injuries
- Incidents outside the course of employment
- Independent contractors (unless specifically covered)
Always review your policy details to understand what is and isn’t covered.
Factors that influence cost
Several factors determine the cost of Field Crops Workers Compensation insurance, including:
- Payroll size and number of employees
- Location and state-specific regulations
- Claims history and safety record
- Specific duties and exposure risks
Rates are calculated based on your classification and risk level, so maintaining a safe work environment can help reduce your premiums.
Proof of insurance and compliance
Employers are typically required to provide proof of workers compensation coverage to comply with state laws and contract requirements. This is often done through a Certificate of Insurance (COI). Each state has different thresholds for mandatory coverage, so it’s important to check local requirements. Failure to carry proper insurance can result in fines or legal action.
How to get a quote
To get a customized quote for Field Crops Workers Compensation insurance, visit our online quote form. We'll help you find coverage that fits your operation's size and risk profile.
Frequently Asked Questions
What is class code 171?
Class code 171 is the NCCI classification for field crop operations, including planting, cultivating, and harvesting crops like corn, wheat, or soybeans.
Do seasonal farm workers need to be covered?
Yes, if they are considered employees under your state’s laws, seasonal workers typically need to be covered by workers compensation insurance.
Can family members working on the farm be excluded?
Some states allow exemptions for family members, but rules vary. Always check your local regulations before excluding anyone.
What happens if I don't carry workers comp coverage?
Without required coverage, you could face penalties, lawsuits, or be held personally liable for employee injuries.
Does workers comp cover heat-related illness in the field?
Yes, if the illness is work-related and arises from job duties, it is generally covered under workers compensation.
Still have questions? Talk to a local insurance expert.