Is Workers' Compensation Coverage Required?
Workers' compensation insurance is required for all farms who have employees.
The spouse and minor children (under 18 years old) of a farmer are NOT counted as employees under the WCL as long as they are NOT under an express contract of hire.
If a farm labor contractor recruits or supplies farm laborers for work on a farm, such farm laborers are generally deemed employees of the farmer.
Workers' Compensation Insurance and Farm Labor Contractors