Workers' Compensation for Food Manufacturers

Protect Your Workforce with Workers’ Comp Insurance Tailored for Food Manufacturing

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Running a food manufacturing business comes with unique risks. Despite potential slips in the creamery to repetitive stress injuries in the packaging line, your employees produce top-quality goods, and they expect top-quality coverage. Workers’ compensation insurance helps ensure that your business, employees, and peace of mind are protected.

With Thimble, securing coverage is quick, easy, and tailored to the needs of many food manufacturers. Live and operate in a state with coverage mandates? No problem. Get proof of coverage usually within 24-48 hours to stay compliant and get back to business.

Why Food Manufacturers Need Workers’ Compensation Insurance

Accidents and injuries can happen even in the cleanest, most organized food manufacturing plants. Workers’ comp can protect both your team and your business by covering medical costs, lost wages, and more for the impacted employee if an incident occurs on the job.

For food manufacturers, the risks can vary significantly by specialty. Let’s look at some specific examples of risks to consider for different food manufacturing employees:

  • Chocolate and Confectionery Manufacturing exposes employees to burns from handling heated mixtures.
  • Frozen Specialty Food Manufacturing exposes employees to slips and falls in cold storage/refrigeration areas.
  • Creamery Butter Manufacturing demands repetitive motions leading to chronic conditions.

To purchase protection for your entire team – from production staff to maintenance crews – you need reliable workers’ comp coverage. Thimble offers reliable, A-rated insurance that’s built to manage these industry-specific challenges.

What Does Workers’ Comp Cover?

A workers’ compensation policy through Thimble can ease the financial burden of workplace incidents. It includes coverage for costs arising out of job-related accidents and illnesses such as:

Learn more about the nuances of workers’ compensation, including what it covers, and how workers’ compensation protects your business.

Medical Expenses

Doctor visits, hospital stays, necessary surgeries, and prescriptions.

Missed Wages

Compensation for employees unable to work due to work-related injuries. 

Long-term Care

Physical therapy, rehabilitation, and treatment for chronic injuries like carpal tunnel

Disability & Death Benefits

Disability coverage for long-term injuries or financial benefits for a worker’s family in tragic cases.

States with Penalties for Not Carrying Workers’ Comp Insurance

Each jurisdiction varies when it comes to business insurance requirements, and it is no different for workers’ compensation. The penalties for not carrying workers’ compensation differ state-by-state. Some states impose harsher penalties than others. States that carry the highest penalties and most severe consequences include:

California

  • It is considered a criminal offense for business owners to not provide workers’ compensation to its employees in California.
    • Up to a year of jail time and/or;
    • Fines up to $100,000

Pennsylvania

  • It is considered a felony in the third degree for business owners to not provide workers’ compensation to its employees in Pennsylvania if it is found to be intentional noncompliance.
    • Up to seven years of jail time and/or;
    • Fines up to $15,000

Illinois

  • Not considered a criminal offense, however a daily fine of $500/day is imposed with a minimum fine of $10,000.

New York

  • Can be charged with a misdemeanor or felony for underinsuring/not insuring employees.
    • Fines up to $50,000, with a $2,000 penalty added every 10 days without coverage.

How to Get Covered with Thimble

Getting started with Thimble is quick and simple:

1.

Get a Quote

Tell us about your business, including industry, ZIP code, payroll, and number of employees.

2.

Tailor Your Policy

Customize your coverage to suit your unique business needs and risks.

3.

Download Proof of Coverage

Instantly receive your Certificate of Insurance and rest easy knowing your business is protected.

Get Your Quote In Minutes

Don’t Risk It – Choose Confidence and Compliance

Workers’ comp insurance isn’t just about compliance; it’s about ensuring a safe and supportive work environment. With Thimble, you’ll get an affordable, trustworthy policy that protects your employees and secures your business’s future.

Get started today and experience peace of mind backed by A-rated coverage.

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