What is Stock Farms/Feed Yards Workers Compensation (class code: 38)?
Stock Farms and Feed Yards Workers Compensation Insurance, classified under class code 38, is a specialized form of coverage designed to protect agricultural employers from the financial risks associated with employee injuries on the job. This insurance helps cover medical expenses, lost wages, and rehabilitation costs if a worker is injured while performing duties related to livestock care, feeding operations, or maintenance of animal enclosures.
Due to the physical nature of livestock handling and the use of heavy equipment, feed yards and stock farms are exposed to significant operational hazards. Workers may face risks such as animal bites, machinery accidents, or slips and falls, making workers compensation coverage a crucial component of risk management for these employers.
Who needs it
This coverage is essential for operators of cattle feedlots, hog farms, and other livestock production facilities. It’s typically purchased by agricultural businesses that employ workers in roles such as animal care, equipment operation, and facility maintenance. Whether it’s a small family-owned farm or a large-scale feed yard, having the appropriate workers compensation policy helps ensure compliance with state labor laws and protects both employees and employers.
Organizations involved in poultry or sheep production may also benefit from similar coverage types, such as Poultry, Sheep and Egg Production Workers Compensation.
What it typically covers
A stock farms/feed yards workers compensation policy generally includes:
- Medical treatment for work-related injuries or illnesses
- Partial wage replacement during recovery
- Rehabilitation services for injured workers
- Death benefits for families in the event of a fatal incident
For example, if an employee is injured while operating a feed mixer or handling livestock, the policy would help cover the cost of medical care and lost income during recovery.
Common exclusions or limitations
While comprehensive, workers compensation policies do not cover every scenario. Common exclusions include:
- Injuries sustained while under the influence of drugs or alcohol
- Self-inflicted injuries
- Injuries occurring outside of work-related duties
Coverage may also be limited for independent contractors or seasonal workers unless specifically included in the policy.
Factors that influence cost
Premiums for class code 38 depend on several underwriting factors, including:
- Payroll size and number of employees
- Previous claims history
- Types of livestock handled and facility operations
- Safety protocols and training programs in place
Employers with strong risk management practices and fewer past claims often receive more favorable rates.
Proof of insurance & compliance
Most states require employers in agriculture to carry workers compensation insurance or show proof of exemption. Certificates of insurance are typically needed when working with vendors, contractors, or agricultural associations. Keeping this documentation readily available can help ensure business continuity and legal compliance.
How to get a quote
To find the right Stock Farms/Feed Yards Workers Compensation policy for your operation, connect with a licensed insurance provider who specializes in agricultural risks. A tailored quote will consider your specific livestock operations, facility layout, and workforce size.
Request a quote today to protect your employees and your business.
Frequently Asked Questions
Is workers compensation mandatory for stock farms?
In most states, yes. However, requirements can vary based on the number of employees and business type. Always check with your state’s labor department.
Does this insurance cover part-time or seasonal workers?
Coverage for part-time or seasonal workers depends on how your policy is written. Be sure to include all eligible workers when applying for coverage.
What types of injuries are most common on feed yards?
Common injuries include animal-related incidents, equipment accidents, and slips or falls from uneven terrain or wet surfaces.
Can I bundle this coverage with other farm insurance policies?
Yes, many insurers offer bundled packages that include workers compensation, property coverage, and liability protection tailored for agricultural operations.
How do I reduce my workers comp premiums?
Implementing strong safety practices, providing employee training, and maintaining a low claims history can help lower your premiums over time.
Still have questions? Talk to a local insurance expert.