CALIFORNIA AGRICULTURE VARIABLE DIVIDEND PROGRAM
Agricultural workers are the backbone of California’s economy and are critical to the world’s food supply. Our dedicated regional teams work hard to support them, reside in the heart of California’s farmland and have deep roots in this diverse industry.
Designed for your “Ag” clients
Offer your ICW Group work comp clients our new 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 rewards for controlling their losses.
Key program highlights
- 5% to 12% dividend payouts.
- Applies to new and renewal business.
- Offered for 14 major Ag California class codes.
- Payments made in renewal month or sooner.
- Calculations begin 22 months after policy inception.
- A minimum of 45% or better loss ratio is required to be eligible.
- Pertains to Non-Instant Quote (IQ) business only.
Provide your clients specialized Ag expertise
Proactive Risk Management
ICW Group’s agricultural bilingual risk management team understands the unique safety characteristics of the CA agricultural industry. Your clients get solutions designed to minimize employee downtime, improve production and keep their business running smooth.
Focused Claim Services
Local to the California agricultural community, our claims examiners understand the complexities of ag-type work injuries, concerns of seasonal employment, benefit payments and specific case law relevant to the industry.
Trusted HR Advice
All ICW Group policyholders receive free 24/7 HR advice via our new HR OnDemand® service. They gain valuable solutions for issues relating to California labor law, overtime rules, harassment training and challenges pertaining to employees working in agriculture.
Qualifying Class Codes
0016Orchards – citrus & deciduous fruits
0034Poultry raising, egg production & hatcheries
0045Orchards – nut crops
0050Farm machinery operations by contractors – including yard employees
0096Nut hulling, shelling or processing