Ideal Accounts and Appetite
UBIC's Agriculture Workers' Compensation Program targets a broad spectrum of farming and agricultural operations. We consider most NCCI agriculture and farm class codes, which makes it easier for agents to place diverse agri-business clients. The program accepts single-site farms, multi-location operations, and businesses that operate in multiple eligible states.
Examples of good-fit accounts include:
- A multi-location produce farm with seasonal employees, formal safety training, and documented return-to-work practices.
- A family-run cattle operation converting from a PEO arrangement and seeking admitted workers' compensation coverage.
Coverage Highlights and Program Advantages
UBIC provides more than a policy — we deliver resources that help insureds manage exposures and reduce claim frequency:
- Customized safety manuals tailored to agricultural tasks
- Safety meeting logs and practical checklists for daily operations
- Site-specific risk-management assessments (annual, bi-annual, or quarterly as needed)
- Consultative support by phone, online, or in-person for accident prevention and compliance
Underwriting Guidelines and Flexibility
Underwriting focuses on the individual risk. Key program guidelines include:
- Eligibility for most agriculture/farm NCCI codes
- Experience modification factors accepted up to 1.50 (higher with referral)
- Account premiums commonly start near $1,000
- Multi-location and multi-state operations are accepted within program territories
- Accounts exiting PEOs or leasing arrangements are eligible for consideration
- Group transportation and lodging may be restricted depending on exposure
- Flexible payment terms, including monthly self-reporting options
Territories and Availability
This Agriculture Workers' Compensation Program is available on an admitted basis in the following states: Arizona (AZ), Colorado (CO), Idaho (ID), Nevada (NV), New Mexico (NM), Oregon (OR), and Utah (UT).
Why Place Business with UBIC?
Utah Business Insurance Company partners with Companion Property and Casualty and Companion Commercial Insurance to deliver stable, admitted workers' compensation capacity for the ag market. UBIC emphasizes hands-on underwriting, practical risk control, and strong service for independent agents. Our in-house risk control resources and regional underwriting expertise make us a reliable placement option for agriculture accounts that need admitted coverage and loss-control support.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is suited to most agriculture and farm-related businesses, including multi-location farms, seasonal operations, and entities transitioning from a PEO or leasing arrangement.
In which states is this program available?
The program is available on an admitted basis in Arizona, Colorado, Idaho, Nevada, New Mexico, Oregon, and Utah.
What is the minimum premium for eligible accounts?
Target account premiums commonly start near $1,000, making the program suitable for smaller agricultural operations as well as larger ones.
Can my client have multiple locations or operate in more than one state?
Yes. The program accepts multi-location and multi-state agricultural businesses provided the operations are within the eligible states listed above.
What risk management resources are included?
UBIC provides safety manuals, meeting logs, practical safety checklists, and periodic risk assessments, plus phone, online, and in-person safety consultations to support loss prevention.
Need help placing an account? Connect with a market specialist.