What is Poultry, Sheep and Egg Prod. Workers Compensation (class code: 34)?
Workers compensation insurance for poultry, sheep, and egg production (class code: 34) provides coverage for employees who are injured or become ill due to their job in these agricultural sectors. This includes workers involved in the care, feeding, handling, and processing of poultry and sheep, as well as those managing egg production operations.
The policy helps cover medical expenses, lost wages, and rehabilitation costs for injured workers. It also offers employers liability protection if an employee files a lawsuit related to a workplace injury.
Who needs it
Any business involved in poultry farming, sheep herding, or egg production with employees is generally required to carry workers compensation insurance. This includes:
- Poultry farms (broilers, layers, etc.)
- Sheep ranches and wool producers
- Egg producers and processing facilities
Even small farms or family-run operations may need coverage if they hire part-time, seasonal, or full-time workers.
What it typically covers
Workers compensation insurance typically includes:
- Medical expenses for work-related injuries or illnesses
- Partial wage replacement during recovery
- Rehabilitation and therapy services
- Death benefits for surviving family members in fatal cases
- Employer liability protection
Common exclusions/limitations
While coverage is broad, some situations are typically excluded, such as:
- Injuries from horseplay or fighting
- Incidents occurring while intoxicated or violating company policy
- Intentional self-harm
- Independent contractors (unless specifically covered)
Policy terms and exclusions can vary by state and insurer.
Factors that influence cost
The cost of workers compensation insurance in poultry, sheep, and egg production depends on several factors:
- Number of employees and total payroll
- Type of tasks performed (e.g., processing vs. fieldwork)
- Safety history and claims record
- State-specific laws and rates
- Classification codes applied to the business
Proof of insurance & compliance
Most states require proof of workers compensation coverage for businesses with employees. Employers may need to display a certificate of insurance and provide documentation during audits or inspections. Requirements vary by state, so check with your local workers compensation board or a licensed insurance provider.
How to get a quote
To find the right coverage for your agricultural operation, start by comparing workers compensation quotes from licensed insurers. Our team can help you explore options tailored to your business needs. Get a quote today.
Frequently Asked Questions
Is workers compensation required for seasonal farm workers?
In many states, yes. Seasonal and part-time workers may still qualify as employees under workers compensation laws. Check your state’s specific requirements.
Does workers compensation cover injuries from handling livestock?
Yes, if the injury is work-related and occurs while performing assigned job duties, it is typically covered under workers compensation.
Can owners or family members be covered under the policy?
Owners and family members may be excluded unless they are listed as employees on the policy. Some states allow optional inclusion.
How do I prove I have workers compensation insurance?
Insurers provide a certificate of insurance as proof. This document can be shared with regulators, vendors, and employees as needed.
What happens if I don’t carry workers compensation insurance?
Operating without required coverage can lead to penalties, fines, and personal liability for workplace injuries. It’s important to stay compliant with state laws.
Still have questions? Talk to a local insurance expert.