NCCI · 32 states

Workers comp rates for code 0908: Nut Farm

NCCI class code 0908 covers Nut Farm in the agriculture industry. The median rate across 32 states is $77.23 per $100 payroll. Rates range from $29.80 in Utah to $213.00 in Hawaii.

Also known as: Nut Orchard · Nut Grower

Cheapest 5 states for code 0908

  1. Utah $29.80
  2. Arkansas $31.87
  3. Virginia $40.83
  4. Tennessee $45.65
  5. Utah $47.00

Most expensive 5 states

  1. Hawaii $213.00
  2. Nevada $162.00
  3. Illinois $147.00
  4. Minnesota $146.80
  5. Rhode Island $126.00

What does NCCI class code 0908 cover?

Class code 0908 classifies employees performing Nut Farm, also known as Nut Orchard, Nut Grower. The NCCI classification system groups occupations by similar workplace exposure, loss-experience patterns, and operational characteristics. Code 0908 falls within the agriculture industry group and is filed in 32 states.

NCCI's governing classification rules state that a single-classification employer with at least 51% of payroll in this occupation generally classifies all employees under code 0908, with two standard exceptions: clerical office work (segregated payroll records required, reported under code 8810) and outside sales / collectors (code 8742). If your operation has multiple distinct activities, ask your underwriter about a multi-class split before accepting a single-code rating.

Why rates for code 0908 vary so widely across states

The rate spread for code 0908 is 7.1× from cheapest to most expensive ($29.80 in Utah to $213.00 in Hawaii). This isn't randomness, it reflects each state's claim experience for the occupation over the most-recent 5-year window NCCI uses, medical inflation in that state's hospital/clinic market, indemnity (lost-wage) cost levels driven by state maximum weekly benefit caps, and rating-bureau methodology. Independent-bureau states (California's WCIRB, New York's NYCIRB, Pennsylvania's PCRB, New Jersey's NJCRIB, Massachusetts's WCRIBMA, Delaware's DCRB, Wisconsin's WCRB, North Carolina's NCRB, Texas's TDI) often diverge significantly from NCCI's national pure premium, sometimes by 30% or more on the same occupation. Monopolistic-fund states (Ohio, North Dakota, Washington, Wyoming) don't allow private carrier competition, so the state fund's pricing is the only available option.

How to use this code 0908 rate data

  1. Benchmark your carrier quote. A carrier quoting code 0908 above the $111.84 75th-percentile rate is asking for a premium-rated quote, push back or get a second quote.
  2. Identify the right state filing. Use the table below to find your state's filed rate. If your carrier is quoting at a higher rate, the difference is either schedule debit, EMR, deductible loading, or a state-fund surcharge, ask which.
  3. Calculate your effective rate. Effective rate = base rate × EMR ± schedule credit/debit ± deductible loading. Two carriers quoting code 0908 at the same base can vary 30%+ on effective rate after these adjustments.
  4. Consider lower-rate states if locationally flexible. For code 0908, Utah ($29.80) is 86% cheaper than Hawaii ($213.00). Multi-state employers split payroll by state-of-work, not state-of-headquarters, so locating the high-payroll site in a cheaper state directly lowers premium.
  5. Build a 3-year EMR strategy. A 0.85 EMR cuts base rate by 15%; the difference between 0.85 and 1.25 EMR on the same code is a 47% premium difference. Frequency control (preventing every claim, even small ones) drives EMR more than severity control.

Code 0908 rates in all 32 states

State Code Rate per $100 vs peers Source
Utah 0908 $29.80 9% view
Arkansas 0908 $31.87 18% view
Virginia 0908 $40.83 27% view
Tennessee 0908 $45.65 36% view
Utah 0908 P $47.00 10% view
Kansas 0908 $48.84 45% view
Virginia 0908 P $54.00 20% view
Maryland 0908 $57.00 55% view
Maryland 0908 P $57.00 40% view
Tennessee 0908 P $57.00 40% view
Alaska 0908 $61.77 64% view
Pennsylvania 0908 $63.75 73% view
Alabama 0908 $64.93 82% view
Louisiana 0908 $67.67 91% view
Michigan 0908 P $76.00 50% view
Kentucky 0908 P $77.00 60% view
Oklahoma 0908 $77.23 100% view
Louisiana 0908 P $81.00 70% view
Alaska 0908 P $83.00 80% view
Arkansas 0908 P $86.00 90% view
Alabama 0908 P $95.00 100% view
Illinois 0908 $105.39 100% view
Nevada 0908 $108.00 100% view
Oklahoma 0908 P $111.00 100% view
New York 0908 $111.84 100% view
Indiana 0908 P $118.00 100% view
Kansas 0908 P $123.00 100% view
Rhode Island 0908 P $126.00 100% view
Minnesota 0908 $146.80 100% view
Illinois 0908 P $147.00 100% view
Nevada 0908 P $162.00 100% view
Hawaii 0908 P $213.00 100% view

Bottom quartile (cheap) Mid Top quartile (expensive)

What types of claims drive code 0908 rates?

Workers comp rate filings for code 0908 reflect what's actually happening on the job, not just generic occupation hazard. NCCI publishes loss-cost analyses showing which injury categories account for the bulk of indemnity (lost-wage) and medical claim cost. For Nut Farm, the top drivers are typically:

  • Musculoskeletal strain, lifting, twisting, and repetitive motion, is the most-common claim type across occupations.
  • Slips, trips, and falls on workplace surfaces account for 15-25% of typical workplace injuries.
  • Struck-by objects, falling and moving items, produce significant medical-only and indemnity claims.
  • Cumulative trauma conditions develop over years and produce long-tail claim costs in many occupations.

Targeting these drivers in your safety program produces the largest EMR improvement. Frequency control (preventing every claim, including small medical-only incidents) drives the modifier more than severity control. A documented written safety program addressing the top two drivers above is typically the highest-ROI intervention for employers paying for code 0908.

FAQs about NCCI 0908

What occupation is NCCI class code 0908?

Class code 0908 is "Nut Farm" (also known as Nut Orchard, Nut Grower), in the agriculture industry. The code is filed in 32 states.

What is the average workers comp rate for code 0908?

The median rate across 32 states is $77.23 per $100 of payroll, ranging from $29.80 (Utah) to $213.00 (Hawaii).

Why does code 0908 cost more in some states than others?

Workers comp rates reflect each state's loss experience for that occupation, the rating bureau's methodology (NCCI vs. independent), schedule rating credits, and the state's medical-cost inflation. Some states are monopolistic (only the state fund writes coverage) while others are open competitive markets.