Episode 52: Strategies for Covering Farm and Ranch Owner Injuries

As a farmer or rancher, you’re probably familiar with insurance for covering your workers from the risk of injuries at work. This includes workers’ compensation, which you may be required to have, and optional health insurance packages. However, what about your injuries? Are you covered in the case of injury from self-employment? Sometimes health insurance policies will exclude injuries that occur in the course of self-employment from coverage. This is where workers’ compensation comes in as a powerful option for you as the farm or ranch owner. In this episode we explain the pros and cons of private health insurance and workers’ compensation, providing insights into how the two policies can work together.This material is funded in partnership by USDA, Risk Management Agency, under award number RMA22CPT0012392.