Despite efforts to provide a safer work place on the farm, history has shown that agricultural activities are still among the most dangerous in terms of job-related injuries. Indiana law requires most employers to provide worker’s compensation insurance coverage for the benefit of employees. That insurance pays for necessary medical care, lost wages, and permanent impairment from injuries arising out of the employment. It also pays the employer’s costs of investigating and defending the worker’s comp claim, which itself can be expensive.
Disputes often arise as to the nature and extent of an employee’s claimed injury, its cause and whether it actually arose out of the employment. Those issues can be thorny, but this article focuses on whether farm or agricultural employers should have worker’s comp coverage.