Mining & Extraction workers compensation in Michigan
Mining & Extraction businesses in Michigan pay a median rate of $1.60 per $100 of payroll, ranging from $0.500 to $5.84. The national median for Mining & Extraction is $1.66, so Michigan sits 3% below the national average. 10 unique NCCI class codes are filed in this state for Mining & Extraction occupations. Verified 2026-05-09.
Top Mining & Extraction class codes in Michigan
The class codes most likely to apply to a Mining & Extraction operation in Michigan, 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 | $0.500 | HIGH |
| 2688 | Oil or Gas Lease Operations - Well Perforating | $1.11 | HIGH |
| 1320 | Surface Metal Mining | $1.12 | HIGH |
| 1164 | Stone, Sand, or Gravel Quarry | $1.14 | HIGH |
| 1624 | Oil/Gas Wells - Drilling/Operation | $1.71 | HIGH |
| 1438 | Stone Crushing | $2.93 | HIGH |
| 4000 | Stone Crushing | $3.02 | HIGH |
| 1463 | Clay or Shale Digging | $5.00 | HIGH |
| 1322 | Metal Ore Milling or Concentrating | $5.84 | HIGH |
| 2683 | Oil or Gas Lease Operations - Well Cementing | $1.50 | HIGH |
Michigan compliance for Mining & Extraction employers
Coverage threshold
Employers with 3 or more employees, or 1 employee working 35+ hours/week for 13+ weeks.
1099 vs W-2 in Mining & Extraction
Generally considered independent contractors if they meet specific criteria, otherwise they may be reclassified as employees.
Owner exclusion
Allowed in Michigan. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$1,164 at 80% of average weekly wage, effective 2025-01-01.
Statute of limitations
2 years from injury date in Michigan.
Audit window
Michigan carriers audit payroll within 90 days of policy expiration. Keep Mining & Extraction payroll segregated by class code and have job-duty documentation ready.
Cross-cite: full Michigan workers comp overview · Mining & Extraction cross-state rate comparison · Michigan workers comp lawyer guide · Michigan settlement chart
Estimate your Mining & Extraction premium in Michigan
Pre-filled to Mining & Extraction and Michigan. 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 Michigan
$2,500to$29,200
Median: $8,025 · Rate range $0.500 to $5.84 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 Michigan
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Step 1, Confirm coverage threshold
Employers with 3 or more employees, or 1 employee working 35+ hours/week for 13+ weeks. 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 Michigan, the cheapest code on this list is 4825 at $0.500 and the most expensive is 2683 at $1.50.
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Step 3, Get a quote
Accident Fund Insurance Company of America is one option in Michigan; 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
General contractors can be held liable for 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.
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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 Michigan
What is the typical workers comp rate for Mining & Extraction in Michigan?
Mining & Extraction employers in Michigan pay a median rate of $1.60 per $100 of payroll, with rates ranging from $0.500 to $5.84 depending on the specific class code. The national median across all states for Mining & Extraction is $1.66, so Michigan sits about 3% below the national average.
How many Mining & Extraction class codes are filed in Michigan?
Michigan has 10 unique NCCI class codes filed for Mining & Extraction occupations, drawn from 10 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 Michigan?
Generally considered independent contractors if they meet specific criteria, otherwise they may be reclassified as employees.
What is the maximum weekly benefit for an injured Mining & Extraction worker in Michigan?
Michigan caps weekly workers comp benefits at $1,164 (effective 2025-01-01), calculated as 80% 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 Michigan?
The statute of limitations in Michigan 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 Michigan?
Yes, Michigan 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.