Agriculture & Farming workers compensation in Tennessee
Agriculture & Farming businesses in Tennessee pay a median rate of $1.28 per $100 of payroll, ranging from $0.170 to $57.00. The national median for Agriculture & Farming is $1.75, so Tennessee sits 27% below the national average. 22 unique NCCI class codes are filed in this state for Agriculture & Farming occupations. Verified 2026-05-09.
Top Agriculture & Farming class codes in Tennessee
The class codes most likely to apply to a Agriculture & Farming operation in Tennessee, 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 | $0.170 | HIGH |
| 1452 | Peat Harvesting | $0.850 | HIGH |
| 0035 | Farm - Grain or Seed Growing | $0.880 | HIGH |
| 0079 | Berry and Vegetable Farming | $0.880 | HIGH |
| 2039 | Grain Elevator Operation | $1.00 | HIGH |
| 8292 | Tobacco Warehousing | $1.00 | HIGH |
| 0005 | Farm, nursery | $1.01 | HIGH |
| 8291 | Cotton Warehousing | $1.08 | HIGH |
| 0034 | Farm, poultry | $1.22 | HIGH |
| 0251 | Silviculture | $1.28 | HIGH |
Tennessee compliance for Agriculture & Farming employers
Coverage threshold
Employers with 5 or more employees are generally required to carry workers' compensation insurance, with exceptions for certain industries.
1099 vs W-2 in Agriculture & Farming
Workers are generally presumed to be employees unless they meet specific criteria for independent contractor status, often based on control and economic dependence.
Owner exclusion
Allowed in Tennessee. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$1,427 at 66.67% of average weekly wage, effective 2025-07-01.
Statute of limitations
1 year from injury date in Tennessee.
Audit window
Tennessee carriers audit payroll within 90 days of policy expiration. Keep Agriculture & Farming payroll segregated by class code and have job-duty documentation ready.
Cross-cite: full Tennessee workers comp overview · Agriculture & Farming cross-state rate comparison · Tennessee workers comp lawyer guide · Tennessee settlement chart
Estimate your Agriculture & Farming premium in Tennessee
Pre-filled to Agriculture & Farming and Tennessee. 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 Tennessee
$850to$285,000
Median: $6,400 · Rate range $0.170 to $57.00 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 Tennessee
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Step 1, Confirm coverage threshold
Employers with 5 or more employees are generally required to carry workers' compensation insurance, with exceptions for certain industries. 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 Tennessee, the cheapest code on this list is 0771 N at $0.170 and the most expensive is 0251 at $1.28.
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Step 3, Get a quote
Private carriers write Agriculture & Farming coverage in Tennessee. Schedule credits up to 25% are typical for low-loss accounts.
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Step 4, Document subcontractors
General contractors are generally liable for the workers' compensation coverage of uninsured subcontractors and their employees. 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 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 Tennessee
What is the typical workers comp rate for Agriculture & Farming in Tennessee?
Agriculture & Farming employers in Tennessee pay a median rate of $1.28 per $100 of payroll, with rates ranging from $0.170 to $57.00 depending on the specific class code. The national median across all states for Agriculture & Farming is $1.75, so Tennessee sits about 27% below the national average.
How many Agriculture & Farming class codes are filed in Tennessee?
Tennessee has 22 unique NCCI class codes filed for Agriculture & Farming occupations, drawn from 23 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 Tennessee?
Workers are generally presumed to be employees unless they meet specific criteria for independent contractor status, often based on control and economic dependence.
What is the maximum weekly benefit for an injured Agriculture & Farming worker in Tennessee?
Tennessee caps weekly workers comp benefits at $1,427 (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 Tennessee?
The statute of limitations in Tennessee is 1 year 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 Tennessee?
Yes, Tennessee 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.