Overview of the Program
Since 1924, Scurich Insurance Services has been a trusted partner for agricultural operations in California. Our Workers Compensation program is designed specifically for farm laborers, crop pickers, and other hands-on agricultural workers. We understand the regulatory and operational complexities in this sector and are equipped to help agents find appropriate coverage for their clients—especially in high-risk or underserved areas.
Ideal Accounts and Appetite
This program is best suited for:
- Commercial farms and ranches in the Monterey Bay region
- Growers and harvesters of fruits, vegetables, or row crops
- Vineyards and nurseries with seasonal or migrant labor forces
- Family-owned farms with multiple employees
You might have a client with a mid-sized strawberry farm that employs seasonal labor, or a vineyard owner who needs to ensure their workers are protected in the event of injury. These are the types of accounts we handle every day.
Coverage Highlights and Advantages
Our Agricultural Workers Compensation program is designed to provide:
- Medical benefits and wage replacement for injured employees
- Coverage for temporary, seasonal, and migrant workers
- Support navigating claims and injury management
- Risk management guidance tailored to agricultural operations
We understand the real-world challenges that prevent injured farm workers from accessing proper care—such as fear of retaliation, immigration status concerns, and lack of local providers familiar with Workers Comp procedures. Our program is built to address these barriers and help employers stay compliant while protecting their workforce.
Underwriting Notes
This is a non-admitted program, allowing for flexibility in underwriting. We evaluate each submission based on farm size, type of operations, safety protocols, and claims history. While minimum premium requirements vary, we focus on accounts that demonstrate a commitment to worker safety and compliance.
Territories and Availability
This program is currently available in California, with a strong focus on accounts located in 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's agricultural community, Scurich Insurance Services brings unmatched expertise to this niche. Agents benefit from our hands-on knowledge, responsive service, and commitment to protecting the workforce that powers the region’s economy. Whether you're placing a new Workers Compensation policy for a small organic farm or helping a large grower renew coverage with better terms, we are here to support you every step of the way.
For all your farm, crop, and agriculture Workers Comp needs in the Monterey Bay Area, CA, give us a call 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 only available in California, with a primary focus on the Monterey Bay region.
Can this program cover undocumented workers?
Coverage is evaluated on a case-by-case basis, but many insureds in the agriculture industry employ workers with varying documentation status. We help agents navigate these complexities while staying compliant with applicable laws.
What is the underwriting process like?
Underwriting considers factors such as number of employees, type of crops or operations, claims history, and safety practices. We offer personalized attention to help agents place challenging accounts.
Why choose Scurich Insurance Services for agriculture Workers Comp?
We’ve been serving California’s farming community since 1924 and bring decades of expertise, local market knowledge, and responsive service to every submission.
Need help placing an account? Connect with a market specialist.