Ideal Accounts and Appetite
Our agriculture workers compensation program is suitable for most insureds in the agricultural sector who have maintained continuous coverage and have been in business for at least two years. However, we also consider new ventures and accounts with a lapse in coverage.
We have appetite for a broad range of ag-related operations, including:
- Crop farming (row crops, fruits, vegetables)
- Livestock operations (cattle, poultry, swine)
- Vineyards and wineries
- Nurseries and greenhouses
- Tree farms and orchards
You might have a client with a large seasonal labor force for harvest or an operation that involves both field work and processing—both are types of risks we routinely underwrite.
Coverage Highlights and Advantages
- Guaranteed cost general workers compensation coverage
- Access to over 20 top-rated carriers
- Admitted and non-admitted options
- Flexible solutions for standard and hard-to-place risks
- New ventures and accounts with prior coverage gaps are eligible
Underwriting Notes and Minimum Premiums
Minimum Premium: $1,500.00
To receive a quote, please submit the following:
For the most competitive quote, also include:
- Minimum 4 years (preferably 5 years) of currently valued loss runs (within 90 days of effective date)
- 4 years of aggregate payroll data
- Current X-Mod worksheet (if available)
- Detailed reports on any losses exceeding $50,000
Territories and Availability
This program is available in all U.S. states, including DC. Whether your client is located in California, Texas, Florida, or a rural Midwest state, we have the resources and market access to handle it.
Why Work With Phoenix Risk Management?
Phoenix Risk Management is a trusted partner for agents and brokers placing agriculture workers compensation coverage. With decades of experience and broad access to top-rated carriers, we help you navigate complex ag risks with confidence. Our responsive underwriting team understands the unique challenges of agricultural operations and is committed to helping you deliver strong solutions for your clients.
From small family farms to large commercial agribusinesses, we can help you find the right fit.
Frequently Asked Questions
What types of accounts are a good fit for this program?
We target a wide range of agricultural operations, including crop farms, livestock operations, vineyards, and nurseries. Both established businesses and new ventures are considered.
Is prior coverage required to qualify?
While we prefer businesses with at least two years of prior coverage, we also accept new ventures and accounts with a lapse in coverage.
What is the minimum premium for this program?
The minimum premium starts at $1,500, though it may vary based on class code, payroll, and underwriting factors.
What documents are needed to get a quote?
You’ll need a completed and signed ACORD application, PRM supplemental application, and ideally 4–5 years of loss runs, aggregate payroll, and X-Mod data if available.
In which states is this program available?
This program is available in all 50 states and Washington, DC.
Need help placing an account? Connect with a market specialist.