Agriculture & Farming workers compensation in Texas
Agriculture & Farming businesses in Texas pay a median rate of $0.665 per $100 of payroll, ranging from $0.630 to $0.700. The national median for Agriculture & Farming is $1.75, so Texas sits 62% below the national average. 2 unique NCCI class codes are filed in this state for Agriculture & Farming occupations. Verified 2026-05-09.
Top Agriculture & Farming class codes in Texas
The class codes most likely to apply to a Agriculture & Farming operation in Texas, 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 |
|---|---|---|---|
| 0035 | Farm - Grain or Seed Growing | $0.630 | HIGH |
| 0034 | Farm, poultry | $0.700 | HIGH |
| 0012 | Farm - Field Crops | $0.000 | LOW |
Texas compliance for Agriculture & Farming employers
Coverage threshold
Workers' compensation coverage is generally optional for private employers in Texas.
1099 vs W-2 in Agriculture & Farming
Texas uses the common law test to determine if a 1099 contractor is an employee; if found to be an employee, they must be covered by a subscribing employer.
Owner exclusion
Allowed in Texas. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$1,271 at 70% of average weekly wage, effective 2025-10-01.
Statute of limitations
1 year from injury date in Texas.
Audit window
Texas 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 Texas workers comp overview · Agriculture & Farming cross-state rate comparison · Texas workers comp lawyer guide · Texas settlement chart
Estimate your Agriculture & Farming premium in Texas
Pre-filled to Agriculture & Farming and Texas. 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 Texas
$3,150to$3,500
Median: $3,325 · Rate range $0.630 to $0.700 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 Texas
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Step 1, Confirm coverage threshold
Workers' compensation coverage is generally optional for private employers in Texas. 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 Texas, the cheapest code on this list is 0035 at $0.630 and the most expensive is 0012 at $0.000.
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Step 3, Get a quote
Texas Mutual Insurance Company is one option in Texas; private carriers (Travelers, Hartford, Liberty Mutual, AmTrust) also write coverage. Schedule credits up to 25% are typical for low-loss accounts.
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Step 4, Document subcontractors
If a general contractor is a subscriber, they can be held liable for injuries to employees of an uninsured subcontractor if the subcontractor is performing work that is part of the general contractor's usual trade or business. 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 Texas
What is the typical workers comp rate for Agriculture & Farming in Texas?
Agriculture & Farming employers in Texas pay a median rate of $0.665 per $100 of payroll, with rates ranging from $0.630 to $0.700 depending on the specific class code. The national median across all states for Agriculture & Farming is $1.75, so Texas sits about 62% below the national average.
How many Agriculture & Farming class codes are filed in Texas?
Texas has 2 unique NCCI class codes filed for Agriculture & Farming occupations, drawn from 2 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 Texas?
Texas uses the common law test to determine if a 1099 contractor is an employee; if found to be an employee, they must be covered by a subscribing employer.
What is the maximum weekly benefit for an injured Agriculture & Farming worker in Texas?
Texas caps weekly workers comp benefits at $1,271 (effective 2025-10-01), calculated as 70% 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 Texas?
The statute of limitations in Texas 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 Texas?
Yes, Texas 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.