Workers' Compensation Insurance for Agriculture
Workers' compensation for farms, nurseries, florists, and tree-care operations. Agricultural workers face risks from heavy equipment, chemical pesticides, repetitive manual labor, and outdoor weather exposure. Rates vary widely by operation type, ranging from $3.00 for nursery employees to $10.00 or more for tree pruning and farm labor.
Industry Average Rate: $5.80 per $100 of payroll
Class Codes in Agriculture
Covers farm workers cultivating, planting, and harvesting field crops such as grain, corn, and soybeans.
$10.18
nat'l avg / $100
Covers dairy farm employees performing milking, feeding, and general dairy farm operations.
$9.37
nat'l avg / $100
Covers nursery and greenhouse workers growing, propagating, and maintaining plants and trees.
$6.70
nat'l avg / $100
Covers orchard workers cultivating, pruning, and harvesting fruit from trees and vines.
$8.35
nat'l avg / $100
Covers farm workers raising and managing livestock including cattle, sheep, and hogs.
$10.98
nat'l avg / $100
Covers workers at grain elevator facilities receiving, storing, and distributing grain and agricultural commodities.
$7.50
nat'l avg / $100
Rate Comparison by State
| State | 0005 | 0035 | 0042 | 0050 | 0016 | 8304 |
|---|---|---|---|---|---|---|
| Indiana | $7.41 | $6.83 | $4.88 | $6.08 | $8.00 | $5.46 |
| Texas | $7.50 | $6.90 | $4.93 | $6.15 | $8.09 | $5.52 |
| Virginia | $7.89 | $7.26 | $5.19 | $6.47 | $8.51 | $5.81 |
| Utah | $8.07 | $7.44 | $5.31 | $6.63 | $8.71 | $5.95 |
| Arkansas | $8.36 | $7.70 | $5.50 | $6.86 | $9.02 | $6.16 |
| Colorado | $8.46 | $7.79 | $5.56 | $6.94 | $9.12 | $6.23 |
| Tennessee | $8.65 | $7.96 | $5.69 | $7.10 | $9.33 | $6.37 |
| Arizona | $8.74 | $8.05 | $5.75 | $7.18 | $9.43 | $6.44 |
| South Dakota | $8.84 | $8.14 | $5.81 | $7.25 | $9.53 | $6.51 |
| Nebraska | $8.93 | $8.23 | $5.88 | $7.33 | $9.64 | $6.58 |
| North Carolina | $8.93 | $8.23 | $5.88 | $7.33 | $9.64 | $6.58 |
| Idaho | $9.03 | $8.31 | $5.94 | $7.41 | $9.74 | $6.65 |
| Kansas | $9.12 | $8.40 | $6.00 | $7.49 | $9.84 | $6.72 |
| Mississippi | $9.22 | $8.49 | $6.06 | $7.57 | $9.94 | $6.79 |
| New Mexico | $9.31 | $8.57 | $6.13 | $7.64 | $10.05 | $6.86 |
| South Carolina | $9.40 | $8.66 | $6.19 | $7.72 | $10.15 | $6.93 |
| Kentucky | $9.50 | $8.75 | $6.25 | $7.80 | $10.25 | $7.00 |
| Iowa | $9.69 | $8.93 | $6.38 | $7.96 | $10.46 | $7.14 |
| Missouri | $9.79 | $9.01 | $6.44 | $8.03 | $10.56 | $7.21 |
| Nevada | $9.88 | $9.10 | $6.50 | $8.11 | $10.66 | $7.28 |
| Georgia | $9.98 | $9.19 | $6.56 | $8.19 | $10.76 | $7.35 |
| Maryland | $9.98 | $9.19 | $6.56 | $8.19 | $10.76 | $7.35 |
| Oregon | $10.07 | $9.28 | $6.63 | $8.27 | $10.87 | $7.42 |
| West Virginia | $10.17 | $9.36 | $6.69 | $8.35 | $10.97 | $7.49 |
| Alabama | $10.26 | $9.45 | $6.75 | $8.42 | $11.07 | $7.56 |
| Minnesota | $10.26 | $9.45 | $6.75 | $8.42 | $11.07 | $7.56 |
| New Hampshire | $10.26 | $9.45 | $6.75 | $8.42 | $11.07 | $7.56 |
| Delaware | $10.45 | $9.63 | $6.88 | $8.58 | $11.28 | $7.70 |
| Maine | $10.45 | $9.63 | $6.88 | $8.58 | $11.28 | $7.70 |
| Wisconsin | $10.45 | $9.63 | $6.88 | $8.58 | $11.28 | $7.70 |
| Michigan | $10.64 | $9.80 | $7.00 | $8.74 | $11.48 | $7.84 |
| Vermont | $10.64 | $9.80 | $7.00 | $8.74 | $11.48 | $7.84 |
| Rhode Island | $10.83 | $9.98 | $7.12 | $8.89 | $11.68 | $7.98 |
| Florida | $10.93 | $10.06 | $7.19 | $8.97 | $11.79 | $8.05 |
| Montana | $10.93 | $10.06 | $7.19 | $8.97 | $11.79 | $8.05 |
| District of Columbia | $11.21 | $10.33 | $7.38 | $9.20 | $12.10 | $8.26 |
| Massachusetts | $11.21 | $10.33 | $7.38 | $9.20 | $12.10 | $8.26 |
| Oklahoma | $11.21 | $10.33 | $7.38 | $9.20 | $12.10 | $8.26 |
| Illinois | $11.40 | $10.50 | $7.50 | $9.36 | $12.30 | $8.40 |
| Connecticut | $11.59 | $10.68 | $7.63 | $9.52 | $12.51 | $8.54 |
| Louisiana | $11.88 | $10.94 | $7.81 | $9.75 | $12.81 | $8.75 |
| Hawaii | $12.16 | $11.20 | $8.00 | $9.98 | $13.12 | $8.96 |
| Pennsylvania | $12.16 | $11.20 | $8.00 | $9.98 | $13.12 | $8.96 |
| New Jersey | $12.35 | $11.38 | $8.13 | $10.14 | $13.33 | $9.10 |
| California | $12.83 | $11.81 | $8.44 | $10.53 | $13.84 | $9.45 |
| Alaska | $13.49 | $12.43 | $8.88 | $11.08 | $14.56 | $9.94 |
| New York | $13.78 | $12.69 | $9.06 | $11.31 | $14.86 | $10.15 |
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