Mining & Extraction workers compensation in Indiana
Mining & Extraction businesses in Indiana pay a median rate of $1.77 per $100 of payroll, ranging from $0.350 to $8.38. The national median for Mining & Extraction is $1.66, so Indiana sits 7% above the national average. 20 unique NCCI class codes are filed in this state for Mining & Extraction occupations. Verified 2026-05-09.
Top Mining & Extraction class codes in Indiana
The class codes most likely to apply to a Mining & Extraction 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 |
|---|---|---|---|
| 4825 | Oil & Gas Well Drilling | $0.350 | HIGH |
| 2688 | Oil or Gas Lease Operations - Well Perforating | $1.09 | HIGH |
| 4038 | Sand or Gravel Digging | $1.17 | HIGH |
| 1699 | Mining N.O.C. | $1.28 | HIGH |
| 1320 | Surface Metal Mining | $1.33 | HIGH |
| 1624 D | Oil/Gas Wells - Drilling/Operation | $1.38 | HIGH |
| 1165 D | Stone, Sand, Gravel Processing | $1.40 | HIGH |
| 1164 D | Stone, Sand, or Gravel Quarry | $1.42 | HIGH |
| 1430 | Underground Salt Mining | $1.66 | HIGH |
| 1438 | Stone Crushing | $2.24 | HIGH |
Indiana compliance for Mining & Extraction employers
Coverage threshold
Employers with one or more employees are generally required to carry workers' compensation insurance.
1099 vs W-2 in Mining & Extraction
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 Mining & Extraction payroll segregated by class code and have job-duty documentation ready.
Cross-cite: full Indiana workers comp overview · Mining & Extraction cross-state rate comparison · Indiana workers comp lawyer guide · Indiana settlement chart
Estimate your Mining & Extraction premium in Indiana
Pre-filled to Mining & Extraction 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 Mining & Extraction in Indiana
$1,750to$41,900
Median: $8,850 · Rate range $0.350 to $8.38 per $100 payroll
Industry median across all states
$8,300
Cheapest states for Mining & Extraction
- Utah $0.600
- Tennessee $1.06
- Kansas $1.10
Most expensive
- Pennsylvania $6.25
- New Jersey $3.89
- Hawaii $3.74
Estimate based on 24 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.
Filing checklist for Mining & Extraction businesses in Indiana
-
Step 1, Confirm coverage threshold
Employers with one or more employees are generally required to carry workers' compensation insurance. For Mining & Extraction operations, this typically applies once you make a first W-2 hire, even part-time.
-
Step 2, Pick the right class code
Mining & Extraction businesses typically use codes like 1624, 1164, 1165. The wrong code can cost 4 to 10x more or get reclassified at audit. In Indiana, the cheapest code on this list is 4825 at $0.350 and the most expensive is 1438 at $2.24.
-
Step 3, Get a quote
Private carriers write Mining & Extraction coverage in Indiana. Schedule credits up to 25% are typical for low-loss accounts.
-
Step 4, Document subcontractors
A principal contractor can be held liable for injuries to employees of uninsured subcontractors. Mining & Extraction operators with crews of 1099s should keep certificates of insurance for every sub, otherwise the GC absorbs the sub liability at audit.
-
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. Mining & Extraction class allocation can shift if any worker spends more than 50% of time on a different code.
Mining & Extraction workers comp FAQs in Indiana
What is the typical workers comp rate for Mining & Extraction in Indiana?
Mining & Extraction employers in Indiana pay a median rate of $1.77 per $100 of payroll, with rates ranging from $0.350 to $8.38 depending on the specific class code. The national median across all states for Mining & Extraction is $1.66, so Indiana sits about 7% above the national average.
How many Mining & Extraction class codes are filed in Indiana?
Indiana has 20 unique NCCI class codes filed for Mining & Extraction occupations, drawn from 20 state-class code rate cells in our dataset. The most common codes include 1624 (Oil/Gas Wells - Drilling/Operation), 1164 (Stone, Sand, or Gravel Quarry), 1165 (Stone, Sand, Gravel Processing).
Are Mining & Extraction 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 Mining & Extraction worker in Indiana?
Indiana caps weekly workers comp benefits at $852 (effective 2025-07-01), calculated as 66.67% of the average weekly wage. Mining & Extraction workers are subject to the same statutory cap as workers in any other industry.
How long does a Mining & Extraction 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. Mining & Extraction workers should report any incident on the date it happens, even minor strains, because cumulative trauma claims can fail without contemporaneous documentation.
Can a Mining & Extraction 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. Mining & Extraction 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.