Agriculture & Farming workers compensation in Indiana
Agriculture & Farming businesses in Indiana pay a median rate of $1.95 per $100 of payroll, ranging from $0.050 to $6.59. The national median for Agriculture & Farming is $1.75, so Indiana sits 11% above the national average. 26 unique NCCI class codes are filed in this state for Agriculture & Farming occupations. Verified 2026-05-09.
Top Agriculture & Farming class codes in Indiana
The class codes most likely to apply to a Agriculture & Farming operation in Indiana, sorted from cheapest to most expensive per $100 of payroll. Click into any code for the full state-by-state rate comparison.
| Code | Occupation | Rate per $100 | Confidence |
|---|---|---|---|
| 0771 N | Landscape Gardening | $0.220 | HIGH |
| 2039 | Grain Elevator Operation | $1.42 | HIGH |
| 1452 | Peat Harvesting | $1.44 | HIGH |
| 0035 | Farm - Grain or Seed Growing | $1.47 | HIGH |
| 8291 | Cotton Warehousing | $1.75 | HIGH |
| 0005 | Farm, nursery | $1.90 | HIGH |
| 0079 | Berry and Vegetable Farming | $1.96 | HIGH |
| 8292 | Tobacco Warehousing | $1.99 | HIGH |
| 0034 | Farm, poultry | $2.03 | HIGH |
| 0251 | Silviculture | $2.21 | HIGH |
Indiana compliance for Agriculture & Farming employers
Coverage threshold
Employers with one or more employees are generally required to carry workers' compensation insurance.
1099 vs W-2 in Agriculture & Farming
Indiana uses the 'right to control' test to determine if a worker is an employee or an independent contractor; misclassification can lead to penalties.
Owner exclusion
Allowed in Indiana. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$852 at 66.67% of average weekly wage, effective 2025-07-01.
Statute of limitations
2 years from injury date in Indiana.
Audit window
Indiana carriers audit payroll within 90-120 days of policy expiration. Keep Agriculture & Farming payroll segregated by class code and have job-duty documentation ready.
Cross-cite: full Indiana workers comp overview · Agriculture & Farming cross-state rate comparison · Indiana workers comp lawyer guide · Indiana settlement chart
Estimate your Agriculture & Farming premium in Indiana
Pre-filled to Agriculture & Farming and Indiana. Adjust payroll to see a real premium range from filed rates.
Estimate your workers comp premium
Pick your industry, state, and annual payroll. Range comes from real rate filings.
Estimated annual premium for Agriculture & Farming in Indiana
$250to$32,950
Median: $9,750 · Rate range $0.050 to $6.59 per $100 payroll
Industry median across all states
$8,750
Cheapest states for Agriculture & Farming
- Texas $0.665
- Utah $0.875
- Virginia $1.15
Most expensive
- California $5.19
- New Jersey $5.11
- Hawaii $4.14
Estimate based on 25 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.
Filing checklist for Agriculture & Farming businesses in Indiana
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Step 1, Confirm coverage threshold
Employers with one or more employees are generally required to carry workers' compensation insurance. For Agriculture & Farming operations, this typically applies once you make a first W-2 hire, even part-time.
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Step 2, Pick the right class code
Agriculture & Farming businesses typically use codes like 0034, 0106, 0005. The wrong code can cost 4 to 10x more or get reclassified at audit. In Indiana, the cheapest code on this list is 0771 N at $0.220 and the most expensive is 0251 at $2.21.
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Step 3, Get a quote
Private carriers write Agriculture & Farming coverage in Indiana. Schedule credits up to 25% are typical for low-loss accounts.
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Step 4, Document subcontractors
A principal contractor can be held liable for injuries to employees of uninsured subcontractors. Agriculture & Farming operators with crews of 1099s should keep certificates of insurance for every sub, otherwise the GC absorbs the sub liability at audit.
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Step 5, Annual audit
Carriers audit payroll within 90-120 days of policy expiration. Have payroll segregated by class code, job descriptions on file, and overtime properly excluded from rated payroll. Agriculture & Farming class allocation can shift if any worker spends more than 50% of time on a different code.
Agriculture & Farming workers comp FAQs in Indiana
What is the typical workers comp rate for Agriculture & Farming in Indiana?
Agriculture & Farming employers in Indiana pay a median rate of $1.95 per $100 of payroll, with rates ranging from $0.050 to $6.59 depending on the specific class code. The national median across all states for Agriculture & Farming is $1.75, so Indiana sits about 11% above the national average.
How many Agriculture & Farming class codes are filed in Indiana?
Indiana has 26 unique NCCI class codes filed for Agriculture & Farming occupations, drawn from 26 state-class code rate cells in our dataset. The most common codes include 0034 (Farm, poultry), 0106 (Potato Farming), 0005 (Farm, nursery).
Are Agriculture & Farming 1099 contractors covered by workers comp in Indiana?
Indiana uses the 'right to control' test to determine if a worker is an employee or an independent contractor; misclassification can lead to penalties.
What is the maximum weekly benefit for an injured Agriculture & Farming worker in Indiana?
Indiana caps weekly workers comp benefits at $852 (effective 2025-07-01), calculated as 66.67% of the average weekly wage. Agriculture & Farming workers are subject to the same statutory cap as workers in any other industry.
How long does a Agriculture & Farming worker have to file a comp claim in Indiana?
The statute of limitations in Indiana is 2 years from the date of injury. Most claims also require notice to the employer within 30 days. Agriculture & Farming workers should report any incident on the date it happens, even minor strains, because cumulative trauma claims can fail without contemporaneous documentation.
Can a Agriculture & Farming business owner exclude themselves from comp coverage in Indiana?
Yes, Indiana allows business owners (sole proprietors, partners, LLC members, corporate officers) to file an exclusion election. Agriculture & Farming owner-operators often elect out to keep premium below the minimum. Sole-proprietor self-coverage is not required, and LLC member self-coverage is not required.