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 - Ford Super Dexta - by Anthony West. The rusty blue tractor caught my eye as my truck zipped by the farm implement business. It looked so fornlorn amongst the lineup of newer equipment. But it was just the right size for my small farm. I stopped in and asked the proprietor for further information. "It's a 64 Ford Super Dexta", he said. "It's a tough little tractor, although it's a hard starter being a diesel and all." He did manage to get it running, compliments of a can of ether. Once started it putted along pretty good. It
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