Ideal Accounts and Appetite
This program fits a wide range of agricultural class codes. We prefer insureds with continuous coverage and at least two years in business, but we will consider new ventures and accounts with a coverage lapse.
Typical operations we place include:
- Crop farming — row crops, fruits and vegetables
- Livestock operations — cattle, poultry and swine
- Vineyards, wineries and grape growers
- Nurseries, greenhouses and sod farms
- Tree farms, orchards and specialty growers
We regularly underwrite accounts with seasonal or large temporary labor forces, mixed operations that combine fieldwork and on-site processing, and commercial agribusinesses with multiple revenue streams.
Coverage Highlights and Advantages
- Guaranteed-cost general workers compensation coverage
- Access to 20+ top-rated carriers for competitive options
- Admitted and non-admitted placements available
- Flexible solutions for standard and harder-to-place risks
- Accepts new ventures and accounts with prior gaps in coverage
Underwriting Notes and Minimum Premiums
Minimum Premium: $1,500.00
To speed submission review, include the following with your quote request:
For the most competitive response, also provide when available:
- 4–5 years of currently valued loss runs (within 90 days of effective date)
- 4 years of aggregate payroll by class code
- Current experience modification worksheet (X-Mod), if available
- Detailed reports for any losses over $50,000
Territories and Availability
Phoenix Risk Management places agriculture workers compensation in all U.S. states and Washington, D.C. — admitted and non-admitted options vary by state and carrier appetite, but we maintain broad territorial access for agents nationwide.
Why Work With Phoenix Risk Management?
Phoenix Risk Management combines deep agricultural underwriting experience with broad market relationships. As a resource for independent agents and brokers, we:
- Provide strong carrier access through MGA and excess & surplus channels
- Offer responsive underwriting that understands seasonal labor, multi-class exposures and mechanized farm operations
- Help place both straightforward and complex ag accounts — from small family farms to large commercial operations
Example scenarios that fit our appetite: you may have a vineyard that needs coverage for seasonal harvest crews and winery processing operations, or a multi-site livestock operation with onsite feeding and sales requiring consolidated workers compensation across locations.
Our underwriting team works with you to identify the right carrier strategy, whether admitted or non-admitted, and to gather the documentation needed for a competitive quote.
Frequently Asked Questions
What types of accounts are a good fit for this program?
We target a broad range of agricultural businesses including crop farms, livestock operations, vineyards, nurseries and tree farms. We consider both established operations and new ventures.
Is prior coverage required to qualify?
While we prefer at least two years of continuous coverage, we will consider accounts with a lapse in coverage or startups on a case-by-case basis.
What is the minimum premium for this program?
The program’s stated minimum premium begins at $1,500, though final premium depends on class codes, payroll and underwriting factors.
What documents are needed to get a quote?
Required: signed ACORD workers comp application and PRM supplemental application. For the best response, include 4–5 years of loss runs, payroll by class code, and X-Mod details if available.
In which states is this program available?
We place coverage in all 50 states and Washington, D.C.; admitted vs. non-admitted options depend on carrier and state rules.
Need help placing an account? Connect with a market specialist.