Mining & Extraction workers compensation in Kentucky
Mining & Extraction businesses in Kentucky pay a median rate of $1.25 per $100 of payroll, ranging from $0.300 to $43.34. The national median for Mining & Extraction is $1.66, so Kentucky sits 25% below 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 Kentucky
The class codes most likely to apply to a Mining & Extraction operation in Kentucky, 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 | $0.300 | HIGH |
| 2688 | Oil or Gas Lease Operations - Well Perforating | $0.690 | HIGH |
| 1699 | Mining N.O.C. | $0.890 | HIGH |
| 4038 | Sand or Gravel Digging | $0.940 | HIGH |
| 4062 | Clay or Shale Digging | $0.980 | HIGH |
| 1165 | Stone, Sand, Gravel Processing | $1.04 | HIGH |
| 1164 | Stone, Sand, or Gravel Quarry | $1.11 | HIGH |
| 1624 | Oil/Gas Wells - Drilling/Operation | $1.24 | HIGH |
| 1320 | Surface Metal Mining | $1.32 | HIGH |
| 1430 | Underground Salt Mining | $1.39 | HIGH |
Kentucky compliance for Mining & Extraction employers
Coverage threshold
Employers with one or more employees are required to carry workers' compensation insurance.
1099 vs W-2 in Mining & Extraction
Kentucky uses common law factors to determine if a worker is an employee or independent contractor; misclassification can lead to penalties.
Owner exclusion
Allowed in Kentucky. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$1,231 at 66.67% of average weekly wage, effective 2025-01-01.
Statute of limitations
2 years from injury date in Kentucky.
Cross-cite: full Kentucky workers comp overview · Mining & Extraction cross-state rate comparison · Kentucky workers comp lawyer guide · Kentucky settlement chart
Estimate your Mining & Extraction premium in Kentucky
Pre-filled to Mining & Extraction and Kentucky. Adjust payroll to see a real premium range from filed rates.
Estimate your workers comp premium
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Estimated annual premium for Mining & Extraction in Kentucky
$1,500to$216,700
Median: $6,225 · Rate range $0.300 to $43.34 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 Kentucky
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Step 1, Confirm coverage threshold
Employers with one or more employees are required to carry workers' compensation insurance. For Mining & Extraction 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
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 Kentucky, the cheapest code on this list is 4825 at $0.300 and the most expensive is 1430 at $1.39.
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Step 3, Get a quote
Kentucky Employers Mutual Insurance (KEMI) is one option in Kentucky; 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
Principal contractors are generally liable for the workers' compensation coverage of their subcontractors' employees if the subcontractor does not carry their own coverage. Mining & Extraction 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. 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 Kentucky
What is the typical workers comp rate for Mining & Extraction in Kentucky?
Mining & Extraction employers in Kentucky pay a median rate of $1.25 per $100 of payroll, with rates ranging from $0.300 to $43.34 depending on the specific class code. The national median across all states for Mining & Extraction is $1.66, so Kentucky sits about 25% below the national average.
How many Mining & Extraction class codes are filed in Kentucky?
Kentucky 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 Kentucky?
Kentucky uses common law factors to determine if a worker is an employee or independent contractor; misclassification can lead to penalties.
What is the maximum weekly benefit for an injured Mining & Extraction worker in Kentucky?
Kentucky caps weekly workers comp benefits at $1,231 (effective 2025-01-01), 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 Kentucky?
The statute of limitations in Kentucky 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 Kentucky?
Yes, Kentucky 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.