Overview of the Program
Since 1924, Scurich Insurance Services has worked with agricultural operations throughout California. This Workers Compensation program is built specifically for hands-on farm labor — including pickers, field crews, and ranch workers — and is designed to address the regulatory and operational complexities common to farming and harvest cycles. We focus on practical placement strategies for accounts that can be difficult to place in the standard market.
Ideal Accounts and Appetite
This program is a fit for a wide range of agricultural accounts in the Monterey Bay region, especially those that rely on seasonal or migrant labor. Typical accounts include:
- Commercial farms and ranches located in the Monterey Bay region
- Growers and harvesters of strawberries, vegetables, row crops, and tree fruit
- Vineyards, nurseries, and operations with seasonal or migrant workforces
- Family-owned and mid-sized farms with multiple employees
Example scenarios: you might have a mid-sized strawberry grower who hires seasonal field crews for peak harvest weeks, or a vineyard owner seeking consistent Workers Comp coverage for year-round and seasonal staff. Those are the types of accounts our program is intended to help place.
Coverage Highlights and Advantages
Scurich’s Agricultural Workers Compensation program offers coverage and services tailored to farm exposures:
- Medical benefits and wage replacement for injured employees
- Policies that can include temporary, seasonal, and migrant workers
- Claims support and injury-management guidance geared toward agricultural injuries
- Risk-management advice specific to farm operations and seasonal staffing
We also recognize practical barriers some workers face when accessing care — for example, concerns about immigration status or limited local providers familiar with Workers Comp. Our team helps you manage those issues while keeping employers aligned with compliance expectations.
Underwriting Notes
This is a non-admitted program, which gives underwriting flexibility for accounts that may not fit admitted carriers. Submissions are evaluated on farm size, types of operations, safety programs, and claims history. Minimum premium requirements vary by risk and seasonality; generally, we look for accounts that demonstrate a commitment to worker safety and regulatory compliance.
Territories and Availability
The program is available in California, with an emphasis on the Monterey Bay Area, including agricultural communities in and around Santa Cruz, Monterey, and San Benito counties.
Why Work With Scurich Insurance Services?
As a local agency with deep roots in California agriculture, Scurich brings decades of niche expertise to this market. Agents benefit from our hands-on underwriting, practical claims support, and responsiveness when placing hard-to-place accounts. Whether you’re placing a new Workers Compensation policy for a small organic farm or seeking better renewal terms for a larger grower, our team helps you find workable solutions.
For farm, crop, and agriculture Workers Comp needs in the Monterey Bay Area, CA, contact us or connect through our CompleteMarkets profile.
Frequently Asked Questions
What types of accounts are a good fit for this Workers Compensation program?
We focus on agricultural operations such as farms, vineyards, ranches, and nurseries—particularly those with seasonal or migrant labor in the Monterey Bay Area.
Is this program available outside of California?
No. This Workers Compensation program is currently available only in California, with primary emphasis on the Monterey Bay region.
Can this program cover undocumented workers?
Coverage is evaluated case-by-case. Many agricultural employers have workers with varying documentation status; we work with agents to address those situations while keeping accounts compliant with applicable requirements.
What is the underwriting process like?
Underwriting reviews number of employees, types of crops or operations, safety protocols, payroll patterns, and claims history. We offer personalized attention to help agents place challenging or seasonal accounts.
Why choose Scurich Insurance Services for agriculture Workers Comp?
We’ve served California’s farming community since 1924 and bring deep local knowledge, practical underwriting flexibility, and responsive service to every submission.
Need help placing an account? Connect with a market specialist.