The importance of immediate workers’ compensation reporting

According to the U.S. Bureau of Labor Statistics, agriculture ranks among the most hazardous industries with one of the highest work injury rates in 2022.¹

When workplace injuries occur, workers' compensation coverage can play a critical role in providing the right financial and medical support to the injured worker if reported immediately. Understand how reporting workplace injuries can benefit the physical and financial health of your agricultural business and employees.

Five reasons to report workplace accidents immediately

• Lower claim costs. Delays can exacerbate injuries, leading to increased medical costs, longer time off work and higher legal fees.
• Better employee relationships. Quick reporting shows injured employees they are valued, aiding in their recovery and easing their return to work.
• Smoother claim investigations. Timely reporting helps preserve evidence and witness statements, crucial for accurate claim investigation.
• Lower litigation costs. Prompt action can prevent employee dissatisfaction, reducing the likelihood of a litigated claim.
• Compliance with state laws. Many states impose fines for late reporting of workplace injuries, making timely reporting not only ethical but also a legal requirement.

What to report and when

All workplace accidents and injuries for farm workers should be reported immediately regardless of severity. Report accidents the moment you become aware of them. There’s no need to wait for complete information.

The initial report should include:

• Injured person’s name and phone number
• Date of accident
• Location of accident
• Brief description of accident

Nationwide offers several convenient options to help you file a claim. You can report a claim via phone, fax, online or through your agent.

Workplace injury services and resources

You have complimentary access to risk management services and safety resources to help prevent accidents before they happen. Proactive measures can significantly reduce the risk of workplace injuries, creating a safer environment for everyone.

For non-limb-threatening and non-life-threatening injuries, our Nurse Triage Hotline provides workers’ compensation customers with 24/7 access to registered nurses. This helps injured employees and their supervisors or farm owners or managers determine effective courses of action and assist in coordinating treatment with an appropriate authorized provider.

Specialized claims support for agribusinesses

With expertise in farm, ranch and commercial agribusiness claims, our specialized Agribusiness Claims team understands the unique challenges you face. These dedicated professionals are equipped to help minimize disruption to your operations so you can feel confident you’re getting the best possible outcome.