What is Vegetable/Fruit Processing Workers Compensation (class code: 2117)?
Workers compensation insurance for vegetable and fruit processing facilities (class code: 2117) is designed to protect employees who work in the preparation, preservation, and packaging of fresh produce. This coverage helps pay for medical expenses and lost wages in case a worker is injured on the job. Given the physical nature of the work—such as operating processing machinery, handling heavy loads, or working in refrigerated environments—there are significant operational hazards that increase the need for protection.
Who needs it
This type of coverage is typically required by employers involved in fruit and vegetable processing operations, including canneries, fresh packers, and frozen goods manufacturers. Operators of produce handling facilities, food distributors, and agricultural cooperatives may also need this coverage to remain compliant with state labor laws and to protect their workforce.
What it typically covers
Workers compensation policies for this class code generally include:
- Medical care for job-related injuries or illnesses
- Rehabilitation services
- Disability benefits for temporary or permanent impairment
- Lost wage replacement during recovery
- Liability coverage for employer defense in case of injury claims
For example, if an employee suffers a repetitive strain injury while sorting produce, workers comp could help cover medical treatment and time off work.
Common exclusions or limitations
While comprehensive, workers compensation insurance does not cover every situation. Common exclusions include:
- Injuries occurring while intoxicated or under the influence
- Self-inflicted injuries
- Injuries sustained while violating company policy
- Injuries occurring during off-duty hours or outside the scope of employment
Factors that influence cost
Premiums for class code 2117 depend on several underwriting factors, including:
- Number of employees and total payroll
- Claims history and safety record
- Use of machinery and processing equipment
- Work environment risks such as wet floors or cold storage
- State-specific rating guidelines
Facilities implementing strong risk management practices—like worker safety training and proper equipment maintenance—may lower their premium over time.
Proof of insurance & compliance
Most states require proof of workers compensation coverage as a condition of operating a business. This proof is typically shown through a certificate of insurance. Employers may be asked for this documentation during audits, inspections, or when bidding on contracts. Staying compliant helps avoid penalties and ensures legal protection in case of workplace injuries.
How to get a quote
To get a competitive quote for vegetable or fruit processing workers compensation insurance, it's helpful to provide accurate details about your operations, workforce, and safety measures. A licensed agent can help you compare options and identify coverage tailored to your business. Request a quote today to protect your team and meet state requirements.
For related classifications, you can explore Canneries Workers Compensation (class code: 2111) or Fresh Fruit Packing Workers Compensation for additional insights into similar risk categories.
Frequently Asked Questions
What is class code 2117 used for?
Class code 2117 is used to classify employees involved in vegetable and fruit processing activities, including cleaning, cutting, packaging, or preserving produce.
Is workers compensation mandatory for produce processors?
In most states, yes. Employers with one or more employees are generally required to carry workers compensation coverage. Requirements vary by state.
Does this coverage include seasonal workers?
Yes, seasonal and temporary workers are typically included, provided they are on payroll and performing duties within the scope of the business.
Can safety programs impact my premium?
Yes. Implementing formal safety procedures and maintaining a low incident rate can help reduce your workers compensation costs over time.
What if an employee is injured while using equipment?
If the injury occurs during work-related use of equipment, it is generally covered under workers compensation, subject to policy terms and exclusions.
Still have questions? Talk to a local insurance expert.