I am not an insurance expert, so this is not "absolute" information. I do believe that the workman comp rules vary by state, and do change over time.
In the late 70's I was a subcontractor for residential carpentry. I hired a couple of carpenters and worked on the job myself. A scaffold broke and I rolled backwards falling 16 ft to paved driveway. Luckily I did not break my back or neck, but did make a broken mess of my right arm. I had been paying workman's comp (exceeding 25% of my payroll) over a 3 year contract. WOOPS! Workman's comp only covered my employees, not me (that would have doubled my premiums). Never had a claim by any employees, and my own claim was denied. I took a real loss on that job as I had to hire another foreman, and he wasn't a good foreman. As a follow-up, I dropped the WC at the end of that contract year and was harassed by the State of MN to get another workman's comp contract. I sent them a letter stating that I would not be hiring any employees, any work that I might take on, I'd be doing by myself.
Now as a farm owner without employees, I have never heard of workman's comp being needed for a farm. The exemption of need for W.C. extends to your family members, as I understand the current law. I do have a farm ins agent and pay for a policy for liability and personal injury. It is a broad farm policy with a major nationwide ins co.
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Today's Featured Article - The David Brown Rose Badge - by Samuel Kennedy. In the 13th century civil war was raging in England. Two English noblemen were involved in a conflict which became known as the War of the Roses. The Duke of York had as his emblem a white rose and the Earl of Lancaster had a red rose. Today the white rose is the official emblem of the county of Yorkshire and the red rose has been adopted by the neighboring county of Lancashire.
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