Pinecrest, FL. farmers who hire temp workers during busy seasons will need to notify their farm insurance company about the new workers. The insurer is then supposed to let you know if you need to buy insurance for one or more of your new workers.

What Types of Insurance do Pinecrest, FL, Farmers Need for Temp Workers?

Worker’s Compensation Insurance

Florida laws governing worker’s compensation insurance are based on the number of people who work on your farm. If you’re legally required to buy worker’s compensation insurance for your employees, you’ll need to extend this coverage to your temp workers as well. It’s wise to get these new workers on the policy before they start work to avoid uncovered accidents.

Auto Insurance

If your temp workers will drive any of your farm’s vehicles off the premises, be sure these workers are listed on the auto insurance policy. 

Farm Equipment Insurance

Will your temp workers operate farm equipment such as a tractor, forklift, or loader? If so, you’ll need to have the workers added to your farm equipment insurance policy.

Liability and/or Umbrella Insurance

Are temp workers staying on your farm? If so, make sure they’re covered by liability insurance or umbrella farm insurance. These types of insurance cover accidents and/or property damage that occurs while your temp employees aren’t on the job. 

 Call Hamilton Fox & Company Inc. for More Information

Keeping your farm and all its operations properly insured can save you a lot of hassle and multiple expenses in the long run. Call our team at Hamilton Fox & Company Inc. if you’re thinking about hiring temp employees for your farm to find out more about what type of insurance you’ll need and how to get the best deal on a policy or policy bundle.