Offer your clients a Variable Dividend Program for select agricultural business in California. This plan is designed to help you grow your book of business while providing your clients with rewards for controlling their losses.

Program highlights

Applies To New & Renewal Business

Great Dividend Payouts

Calculations Begin 22 Months After Policy Inception

Payments Made in Renewal Month or Sooner

Offered for 14 Major Ag California Class Codes

Pertains to Non-Instant Quote (IQ) Business Only

45% or Better Loss Ratio is Required to be Eligible

Qualifying Class Codes

  • 0005 Nurseries
  • 0016 Orchards – Citrus & Deciduous Fruits
  • 0034 Poultry Raising, Egg Production & Hatcheries
  • 0035 Florists
  • 0040 Vineyards
  • 0041 Potato Crops
  • 0044 Cotton Farms
  • 0045 Orchards – Nut Crops
  • 0050 Farm Machinery Operation by Contractors – Including Yard Employees
  • 0079 – 1 Strawberry Crops
  • 0079 – 2 Bushberry Crops
  • 0096 Nut Hulling, Shelling, or Processing
  • 0171 Field Crops
  • 0172 Truck Farms

Specialized Risk Management


Your clients receive expertise provided by a bilingual team who understand the unique characteristics of the agricultural industry. Agriculture services include the identification and quantification of risk associated with:

  • Equipment Use
  • Pesticide Safety 
  • Machine Guarding 
  • Farm Vehicles, Including Tractor Safety 
  • Farm Labor Activities
  • Hazard Assessments
  • Harvesting & Processing Safety
  • Facilities, Buildings & Grounds Safety
  • Roadway Safety
  • Heat Prevention

Ag Focused Claim Management


Local to the California agricultural community, our claims examiners understand the complexities of this unique business. Your clients will enjoy:

  • Dedicated Teams with a Deep Understanding of the Dynamics of Agriculture Business
  • Extensive Experience with Seasonal Employment and Agriculture Specific Laws
  • Expertise in the Calculation of Seasonal Wages
  • Anti-Fraud ‘Red Flags’ Specific to Agriculture Business 
  • A Triage Team Focused on Analyzing & Providing Benefits with a Strong Track Record of Investigative Expertise

Do More for your clients

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