Harvest & Seasonal Coverage
Coverage that follows the harvest
Seasonal workers power your harvest. We make sure they're covered — and that you stay compliant — from the first pick to the last crush.
Coverage Options
Plans built for seasonal work
Every harvest is different. We offer flexible coverage structures that match your crew size, duration, and visa status.
Short-Term Health Plans
Coverage for harvest workers lasting 30–180 days. Provides basic medical, emergency, and prescription benefits during peak season without triggering ACA large-employer requirements.
ICHRA for Seasonal Staff
Individual Coverage HRAs let you reimburse seasonal employees for marketplace plans. Flexible, ACA-compliant, and easy to administer across variable headcounts.
H-2A Visa Crew Coverage
Specialized plans for H-2A agricultural guest workers. We coordinate with your H-2A attorney and labor contractor to ensure coverage meets visa program requirements.
Gap & Supplemental Plans
Accident, critical illness, and hospital indemnity plans that fill coverage gaps for workers who may not qualify for group health. Affordable premiums, fast claims.
ACA Compliance Tool
Know your employer status before harvest
The IRS 120-day seasonal exception can exempt many vineyards from the ACA employer mandate. Find out where you stand.
ACA Harvest Headcount Check
Estimate whether your operation qualifies as an ACA Applicable Large Employer (ALE) during harvest season.
How It Works
From quote to enrolled crew in days
Tell us your headcount
Share your base workforce size and expected peak harvest headcount. We calculate your ACA status automatically.
Review your options
We present 2–3 coverage scenarios with carrier quotes, premium estimates, and compliance notes — all within one business day.
Enroll your crew
Bilingual enrollment support available. We handle paperwork, carrier submissions, and ID card distribution before harvest begins.
Stay covered all season
Ongoing support throughout harvest. Claims questions, coverage changes, and end-of-season terminations handled for you.
Why vineyards choose us for seasonal coverage
Ready to cover your harvest crew?
Tell us your headcount and harvest window. We'll have options ready within one business day.
Get Seasonal Coverage