Risico's Agricultural Workers' Compensation Insurance Program

Risico has partnered with AmTrust Financial Services (rated “A-” [Excellent] with a Financial Size of “XV” by AM Best) to provide a competitive Workers’ Compensation insurance market to the agricultural industry. Our expertise, experience and focus allow us to offer complete underwriting, claims and loss control solutions for complex agricultural risks.

Our program appetite is summarized in our documents below.


Risico Advantage CA Risico Advantage (Non CA)

Program Territory Is Growing

For more than a quarter-century, Risico has been a leading Managing General Agency (MGA) in California‘s workers’ compensation insurance market. Our Fresno-based team offers decades of experience and expertise to the state‘s leading agricultural businesses. Risico is expanding its scope and is currently licensed in 20 States.

Licensed States

  • Alabama
  • Arizona
  • Arkansas
  • California
  • Connecticut
  • District of Columbia
  • Florida
  • Georgia
  • Kentucky
  • Michigan
  • Mississippi
  • Missouri
  • Nevada
  • New York
  • North Carolina
  • Oklahoma
  • Oregon
  • South Carolina
  • Tennessee
  • Texas
  • Virginia
Workers' Compensation Eligible Class Codes
The following governing classifications are eligible for the program. Other class codes may be considered if incidental, but referral is required. For the purposes of eligibility, “incidental” shall be no more than 20% of the overall operation.
Eligible Class Codes in California
0005 Nurseries – propagation and cultivation
0016 Orchards – citrus and deciduous fruits
0034 Poultry Raising | Egg Production and Sheep | Hogs
0035 Florists – cultivating and gardening
0036 Dairy Farms
0038 Stock Farms and Feed Yards
0040 Vineyards
0041 Potato Crops
0044 Cotton Farms
0045 Orchards – Nut Crops
0050 Farm Machinery Operation
0079 Strawberry & Bush Berry Crops
0096 Nut Hulling, Shelling or Processing
0171 Field Crops
0172 Truck Farms
2063 Creameries and Dairy Products Manufacturing
2081 Butchering and Stockyards
2102 Fruit or Vegetable Evaporation or Dehydrating
2107 Fruit – fresh fruit packing and handling
2108 Fruit – Citrus Fruit Packing and Handling
2109 Fruit – Dried Fruit Packing and Handling
2123 Fruit | Vegetable Processing – Fresh
2142 Wineries
6504 Food Products Manufacturing | Processing
7219 Trucking Firms
8017 Stores – Retail
8116 Farm Machinery Dealers
8117 Stores – feed, tack and farm supplies
8209 Vegetables – fresh vegetable and tomato packing and handling
8291 Warehouses – cold storage
8742 Outside Sales
8810 Clerical
8871 Clerical Telecommuter Employees

Loss Control

With over 50 years’ combined experience, we have one of the most knowledgeable loss control teams in the industry.

Our bilingual loss control professionals can inspect and evaluate facilities, equipment and operations to identify hazards or behaviors that may give rise to claims, and then assist in developing a program to help mitigate or eliminate those exposures.

Ultimately, we understand that the best way to protect your bottom line is to control losses by preventing them before they happen.

Claims Management

We specialize in the adjustment of Workers’ Compensation claims in California for the agriculture industry.

Our effective claims management services begin with a qualified, experienced and bilingual staff making the best decisions, early and consistently, to quickly close claims at the lowest possible cost. Through our efficiency and effectiveness, we are able to maximize savings and generate industry-leading results.

We invite you to download our Agriculture Policyholder Claims Welcome Kit.

Risico Total Managed Care

Works in unison with Risico Claims to provide nurse case management services and a specialized First Notice of Loss program.