A Guide to Health Insurance and Worker's Compensation Insurance for Farm Families

​​​​​​​​​​Last Updated: August 28, 2023

This guide ​discuss​es three types of insurance coverage farm owners need to cover themselves, their families, and their employees:

  • ​​Health Insurance provides coverage for the medical treatment of sicknesses and injuries. It does not generally provide coverage for work-​related injuries.​

  • Worker's Compensation Insurance provides coverage for work-related injuries including medical treatment and lost wages.

  • Disability Income Insurance provides coverage for lost wages because of a short-term or long-term illness or injury. Farmers may purchase ​disability income insurance for themselves and their employees.​

To more easily view a glossary term in a PDF within your internet browser, simply hold the CTRL (control) key (or ⌘ key on a Mac) while clicking on the dotted-underlined term​. This will open the glossary in a new window, allowing you to hold your spot within the consumer guide.

Request a Copy by Mail
Order a publication online here or call 1-800-236-8517 to request a copy.

File a Complaint
If you have a specific complaint​ about your insurance, refer it first to the insurance company or agent involved. If you do not receive satisfactory answers, contact the Office of the Commissioner of Insu​rance (OCI).