Workmans’ Compensation


The difference between a Farmers Workers’ Compensation policy and one offered by another insurance company is service.

As part of our service, Farmers offers your business our “building block” system to help you build a strong foundation for operating a safe, secure work environment. The building blocks include accident prevention and loss control, team service lead by your professional Farmers agent, claims management and our medical and disability management program referred to as Farmers Care.

Looking to get an instant, free, no-obligation quote? Call 435-752-9493 and ask for Gary our Worksman Compensation Specialist!

What does this mean to you—the employer?
  • Reduced injuries and losses
  • Reduced medical and disability costs
  • Reduced policy adjustments
  • Reduced premium costs

We offer Workers’ Compensation focused on these ten industry groups:
  • Agriculture
  • Light manufacturing
  • Artisan contractors
  • Printing
  • Automotive
  • Retailers
  • Food service
  • Service providers
  • Hotels/Motels
  • Wholesalers/Distributors

Workers’ Compensation coverage details
The underlying strategy of our Workers’ Compensation program is to establish a partnership among the four participants: the injured employee, the employer, the medical provider and Farmers. Our goal is to deliver the correct benefits quickly and efficiently at a fair cost.

Farmers includes these added services as part of our program to help you control costs and reduce premiums.

Farmers Care®
Farmers Care, our complete medical and disability management program, is designed to help control your Workers’ Compensation premiums.

Farmers Care consists of:
Preferred Provider Organization
The foundation of Farmers Care is an extensive network of industrial clinics, physician specialists and hospitals committed to giving excellent treatment as well as managing costs.

Utilization Management
Our nurses, under the supervision of medical doctors, review treatment plans using the latest in computerized medical guidelines. They also verify the necessity of hospital admissions and lengths of stay.

Early Return-to-Work Programs
Early return-to-work is a major factor in cost savings. Bringing employees back to work as soon as medically feasible saves substantial sums in temporary disability payments and retraining costs.

Bill Review
We review every bill to check pricing, appropriateness of the treatment and the billing overlap. This saves millions of dollars each year in unnecessary charges.

Loss Control Services
Our loss control programs can assist you in reducing the frequency and cost of injuries. We also offer posters, videos and brochures to reinforce Workers’ Compensation safety programs, raise employee awareness and meet legal requirements.

Fraud Control
Our claims representatives are trained to identify and react when they see “red flags”, which indicate a claim needs further investigation.

Classification Review
We’ll review your individual classifications and operations to make sure payroll, sales, and other variables are correctly classified and you are charged the correct premium.

Premium Audit Service
Our auditors will help you understand premium classifications as well as forecasting future premium costs. They also assist in making sure your premium is calculated at the correct rate.

Claims Specialists
Specialized claims representatives handle only Workers’ Compensation claims. They review medical expenses, initiate early return-to-work programs, facilitate rehabilitations and manage legal costs.

Same-Day 4-Point Contact
On the day the claim is received, our claims representatives are committed to achieving same-day contact with the employee, employer, medical provider and agent. This insures that benefits begin as soon as possible and that questionable claims are investigated early in the process.