Agriculture
Claims Navigation in Today’s Economic & Legislative Climate
Agribusiness, Farm, Produce, Supplier, Landscape, Arborists
Unique Expertise
SmartComp’s team is experienced in providing claims management services to a wide range of service providers and growers in the Agriculture Industry. We have the capability and expertise required to handle the most complex injuries. Every day about 243 agricultural workers suffer lost-work-time injuries and about 5% result in permanent impairment making this one of the most hazardous industries in the country.
Focused On Results
SmartComp has a dedicated claims team that partners with our clients in the day to days management of the claims process. Being On-Site, On-Time and On-Target we provide the Agriculture Industry an alternative to higher claims cost.
On-Site Claims Navigation
Whether you’re a major Agribusiness, Produce House, Landscape Contractor, Arborists or local supplier to the green industry SmartComp’s team of on-site claims management specialist are available to strategically navigate you and your injured worker through the Workers’ Compensation system.
Class Codes - Included by not limited to:
0172 - TRUCK FARMS
This classification applies to all acreage devoted to the raising of garden vegetables, and shall also include dry peas, dry beans, soy beans, melons, sweet corn, mushrooms, bean sprouts, and flower and vegetable seeds.
Pure Premium Rate: 2015 (7.27), 2014 (6.83), 2013 (6.63), 2011 (3.80)
Expected Loss Rate: 2015 (), 2014 (2.50), 2013 (2.51), 2011 (1.91)
0171 - FIELD CROPS
This classification applies to all acreage devoted to the raising of hay, alfalfa, all the cereal grains — wheat, barley, rice, corn and oats — all sorghums, flax and maize
Pure Premium Rate: 2015 (11.31), 2014 (10.06), 2013 (9.30), 2011 (6.19)
Expected Loss Rate: 2015 (), 2014 ( 3.63), 2013 (3.45), 2011 (3.14)
0079 (1) - STRAWBERRY CROPS
This classification applies to all acreage devoted to the raising of strawberries
Pure Premium Rate: 2015 (5.86), 2014 (5.37), 2013 (4.43), 2011 (2.75)
Expected Loss Rate: 2015 (), 2014 (2.08), 2013 (1.80), 2011 (1.43)
0016 - ORCHARDS — citrus and deciduous fruits
This classification applies to all acreage devoted to citrus and deciduous tree crops, as well as avocados and olives.
Pure Premium Rate: 2015 (11.26), 2014 (10.48), 2013 (9.27), 2011 (5.50)
Expected Loss Rate: 2015 (), 2014 ( 3.87), 2013 (3.51), 2011 (2.84)
0050 - FARM MACHINERY OPERATION — by contractors — including yard employees
Pure Premium Rate: 2015 (6.42), 2014 (10.97), 2013 (4.89), 2011 (5.07)
Expected Loss Rate: 2015 (), 2014 ( 3.96), 2013 (3.91), 2011 (2.55)
8209 - VEGETABLES — fresh vegetable and tomato packing and handling — including storage
This classification does not contemplate the processing of “ready-to-eat” fruits and vegetables that are described by Classification 2123, Fruit or Vegetable Processing – fresh – ready-to-eat.
Growing or harvesting of crops shall be separately classified.
Pure Premium Rate: 2015 (9.43), 2014 (8.65), 2013 (7.50), 2011 (5.95)
Expected Loss Rate: 2015 (), 2014 (3.43), 2013 (3.06), 2011 (3.08)
2123 - FRUIT OR VEGETABLE PROCESSING — fresh – ready-to-eat
This classification applies to the processing of “ready-to-eat” fruits and vegetables that are packaged and sold for immediate consumption without further peeling, trimming, washing or cooking. Produce is considered “ready-to-eat” when:
- The produce is pre-washed to remove soil and other contaminants;
- The produce is in a form that can be consumed without further peeling or trimming;
- The produce is in a package that serves to protect the food from contamination during transportation and storage; and
- The package label declares the produce as “ready-to-eat” or “pre-washed”.
This classification does not contemplate the preparation or packing of produce that is pre-cut and sold from the open self-service bins or trays at grocery stores.
Growing or harvesting of crops shall be separately classified.
Pure Premium Rate: 2015 (7.43), 2014(6.88), 2013(6.27), 2011 (4.94)
Expected Loss Rate: 2015 (). 2014(2.32), 2013(2.10), 2011 (2.29)
0042 - LANDSCAPE GARDENING — all operations — including maintenance of gardens
This classification includes the construction, maintenance, repair, and installation of landscape systems and facilities for public and private gardens and other areas which are designed to aesthetically, architecturally, horticulturally, or functionally improve the grounds within or surrounding a structure or a tract or plot of land. Such operations include the preparation and grading of plots and areas of land for the installation of any architectural, horticultural and decorative treatment or arrangement. It also includes trimming or pruning trees when performed exclusively at ground level.
When performed by the same employer that is primarily engaged in landscape work at a particular job or location, this classification shall include the construction or installation of hardscape features including, but not limited to, decorative pools, fountains, drainage and sprinkler systems, garden furniture, statuary and monuments.
This classification shall not include the pruning, repairing or trimming of large, mature trees when any portion of the operations requires elevation using ladders, lifts or by climbing. Such operations, including ground crews, shall be classified as 0106, Tree Pruning, Repairing or Trimming.
The excavating, transporting and transplanting of mature trees shall be separately classified as 7219(1), Trucking Firms.
Pure Premium Rate: 2015 (9.94), 2014 (9.32), 2013 (8.16), 2011 (4.77)
Expected Loss Rate: 2015 (), 2014 (3.45), 2013 (3.06), 2011 (2.38)
0106 - TREE PRUNING, REPAIRING OR TRIMMING — N.O.C. — hand or mechanical power — including yard employees
This classification includes spraying or fumigating in connection with tree pruning, repairing or trimming.
Pure Premium Rate: 2015 (26.93), 2014 (26.88), 2013 (24.67), 2011 (12.73)
Expected Loss Rate: 2015 (), 2014 ( 8.12), 2013 ( 7.46), 2011 ( 5.89)