Surface Metal Mining workers comp rate in Kansas
The filed workers comp rate for class code 1320 (Surface Metal Mining) in Kansas is $0.970 per $100 of payroll. On $500,000 of payroll, that is roughly $4,850 in base premium.
Workers comp rules in Kansas affecting code 1320
Kansas uses NCCI for workers comp rate setting. Coverage is mandatory once an employer crosses the threshold of Mandatory for employers with one or more employees, with specific exemptions for certain agricultural employers, real estate agents, and others..
Subcontractor coverage in Kansas
General contractors are liable for injuries to employees of uninsured subcontractors if the subcontractor is performing work that is part of the general contractor's trade or business.
Owner-exclusion rules for code 1320
Kansasallows business owners to file an election excluding themselves from workers comp coverage. Excluding $80,000 of owner payroll at $0.970 saves $776 per year.
1099 contractor handling
Independent contractor status is determined by the 'right to control' test; if the employer retains the right to control the manner and means of the work, the individual is likely an employee.
Penalty for failing to carry coverage
Employers failing to carry required coverage face fines, potential criminal charges, and personal liability for injured workers' benefits.
Audit window after policy expiration
After your policy expires, Kansas's rating authority allows Typically within 3 years of policy expiration, as per NCCI rules. for a premium audit. Code 1320 payroll discovered late can result in additional premium owed. Maintain segregated payroll records for at least the audit window plus one year.
Ways to lower your premium for code 1320 in Kansas
Most employers paying for code 1320 could reduce annual premium by 10-30% by applying one or more of the levers below. Each is grounded in Kansas-specific rules where applicable.
- Experience modifier (EMR): A 0.85 EMR (well-managed) cuts $0.970 to $0.825 per $100, saving roughly $727 on a $500K payroll. A 1.25 EMR (loss-burdened) inflates it to $1.21. Build a lower EMR by reducing claim frequency (every claim hurts the modifier even if dollar cost is small).
- Schedule credits: Kansas permits up to 25% schedule credit at underwriter discretion. At $0.970, a 7% credit lowers your effective rate to $0.902 per $100.
- Deductible plans: Per-claim or aggregate deductibles ($1K-$10K typical) cut premium 5-15%. Best fit when historical claim count is low.
- Reclassify payroll: Code 1320 may be applied too broadly. If a portion of payroll is genuinely clerical and properly segregated, that portion can be reported as code 8810 (clerical) at $0.10-$0.30 per $100.
- PEO or staff leasing: A Professional Employer Organization can pool your code-1320 payroll with similar businesses in Kansas, often securing better blended rates than your standalone EMR can achieve.
- Dividend or retro plans: Some carriers offer participating policies that return a dividend if your loss ratio stays below a target. Best for employers with predictably good loss experience.
- Wrap-up policy for projects: For larger code-1320 operations (especially construction), an OCIP or CCIP wrap can consolidate coverage at lower aggregate cost.
Common claim drivers in mining affecting code 1320
Rate filings for code 1320 reflect what actually drives claim cost for this occupation across NCCI's national experience and Kansas's state-specific loss data. The largest drivers behind the $0.970 rate are typically:
- Musculoskeletal strain. Lifting, twisting, and repetitive motion are the most-common claim type across industries.
- Slips, trips, and falls. Floor and surface incidents account for 15-25% of typical workplace injuries.
- Struck-by objects. Falling and moving objects produce significant medical-only and indemnity claims.
Targeting these in your safety program produces the largest EMR improvement. Most claim-frequency reductions come from controls on the top two drivers above; severity reductions require return-to-work programs and aggressive medical management.
FAQ
What is the workers comp rate for code 1320 in Kansas?
The filed workers comp loss cost or rate for NCCI class code 1320 in Kansas is $0.970 per $100 of payroll.
How much would I pay on $500,000 payroll?
At $0.970 per $100, $500,000 yields a base premium of $4,850 before EMR and schedule credits. With an EMR of 0.85, effective rate is $0.825; with 1.25, it is $1.21.
Where else can I see code 1320?
UT has the cheapest filed rate ($0.360) and IL the highest ($3.09). Kansas sits at the 43th percentile across 21 peer states.
Can I get a schedule credit on code 1320 in Kansas?
Kansas permits up to 25% schedule credit. At $0.970, a 10% credit lowers effective rate to $0.873 per $100.
Can I exclude myself from code 1320 coverage in Kansas?
Yes. Kansas allows business owners to file an election excluding themselves from workers comp coverage on their own payroll.