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.​

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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 Insurance (OCI).