The most common environmental and regulatory exposures encountered at agriculture and farming properties include the following:
- Improper storage of pesticides and fertilizers, which may lead to surface water, soil or groundwater pollution.
- Normal and routine application of pesticides and fertilizers to fields over several years, which may impair storm water runoff and shallow groundwater.
- Underground storage tanks, which can leak, are used to store heating oil for use in farm residences.
- Cattle excrement that may create elevated fecal coliforms in surface waters that may be used as a source of potable water.
- Electrical transformers on farm property that may contain PCB dielectric fluid.
- Improperly maintained or faulty refrigeration units used for dairy farming resulting in potential contamination from lubricating oils, Freon or ammonia.
- Asbestos-containing materials found in buildings and used as insulation for boilers, piping and steam lines.
- Improper use, storage and disposal of wood preserving chemicals used for treating building supplies, fence posts or lumber produced by small on-site operations.
This is not an exhaustive list of environmental exposures. It represents the most common environmental exposures for this industry. INSURICA will work with you to identify environmental exposures that are unique to your business to help you reduce risk.
This article is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel or an insurance professional for appropriate advice. © 2024 Zywave, Inc. All rights reserved.
About the Author
Share This Story
Related Blogs
Medicare Part D Creditable Coverage: What Employers Should Know Before Oct. 15
Each year, employers that sponsor group health plans with prescription drug coverage must determine whether that coverage is “creditable” or “non-creditable” and notify Medicare Part D–eligible individuals of the plan’s status. The annual notice must be provided before October 15, when Medicare’s annual enrollment period begins.
The 2026 Mental Health Access Crunch: Employers Turn to Direct-to-Provider Networks
Mental health access has become one of the most pressing benefits challenges of 2026. Employees seeking therapy or psychiatric care are facing wait times of six to twelve weeks in many regions. Demand for outpatient mental health services has climbed sharply, driven by higher stress levels, increased medical inflation, and expanded use of medications that require behavioral support. Traditional networks simply haven’t kept up.
Digital Physical Therapy: A Practical Tool for Reducing MSK Claims
Musculoskeletal (MSK) conditions remain one of the top drivers of medical claims. Back pain, joint issues, and repetitive motion injuries affect employees across industries. Traditional physical therapy works, but access varies widely and costs can escalate quickly.