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Farm Owners Have Different Rules for Workers' CompensationAgricultural work has the potential to cause serious or fatal injuries, but workers compensation benefits may not be available in some cases. Illinois’ Workers’ Compensation Act states that it does not apply to owners of agricultural enterprises unless they have employees who work a combined 400 working days per fiscal quarter. Immediate family members of the owner do not count as employees if they live with the owner. Thus, the owner of a small farm is not required to purchase workers’ compensation insurance if he or she employs only a few helpers who do not work the required number of hours. This does not change the inherent dangers that come with agricultural work, including:

  1. Operating Hazardous Equipment: Farmers regularly use sharp tools that can cause serious cuts or lost appendages. They have power tools and heavy machinery that are dangerous if they malfunction or are not used properly. Large vehicles such as tractors are a threat to roll over when being driven or overturn when idle.
  2. Slips and Falls: Farmers may need to climb up ladders when working, which has the potential for fall-related injuries. The working area has many obstacles that can trip a worker and substances that may make the floor slippery. A worker may suffer further injury if he or she falls onto a piece of equipment.
  3. Grain Silos: Suffocation is a serious threat when working in a grain storage bin. Shifts in a pile of grain may cause it to collapse on a worker. Grain can behave like quicksand, making it difficult to escape from. An accumulation of grain dust can cause an explosion if it comes in contact with a heat source.
  4. Contaminants: Farmers may work with chemicals such as pesticides, which can be hazardous to humans. Working with animals may expose a farmer to diseases and infections. Long-term exposure to dust and chemicals in the air may cause chronic respiratory problems.

Contact a Crystal Lake Workers’ Compensation Attorney

The Illinois Workers’ Compensation Act’s exception for farm owners may not apply if your duties on a farm include more than agricultural work. Being hired to do construction or equipment maintenance may fall outside the legal definition of agricultural work.

Farm owners can still carry workers’ compensation insurance or farm liability coverage even if they are not required to. A McHenry County workers’ compensation attorney at Botto Gilbert Lancaster, PC, can help you receive compensation for your farm-related injury. To schedule a free consultation, call 815-338-3838. 

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