OH · Mining & Extraction · Ohio BWC state

Mining & Extraction workers compensation in Ohio

Ohio is a monopolistic state fund (Ohio Bureau of Workers' Compensation (BWC)), so class-by-class Mining & Extraction rates are available only via the state fund, not in public filings. As a national reference, Mining & Extraction workers comp runs a median of $1.66 per $100 of payroll, with a range of $0.190 to $43.34 across reporting states. Ohio caps weekly benefits at $1,231 with a 1-year statute of limitations. Verified 2026-05-09.

National median $1.66
Rate authority Ohio BWC
Max weekly benefit $1,231

Mining & Extraction rate context for Ohio

Ohio does not publish class-by-class loss costs publicly, but Mining & Extraction rates from comparable reporting states give you a useful planning range. Use the national rate range below as a baseline; your actual quote depends on payroll size, loss history, and your specific NCCI class code.

Mining & Extraction class code Typical occupation National median National range
1624 Oil/Gas Wells - Drilling/Operation $1.66 $0.190 - $43.34
1164 Stone, Sand, or Gravel Quarry $1.66 $0.190 - $43.34
1165 Stone, Sand, Gravel Processing $1.66 $0.190 - $43.34
1438 Stone Crushing $1.66 $0.190 - $43.34
1320 Surface Metal Mining $1.66 $0.190 - $43.34
1463 Clay or Shale Digging $1.66 $0.190 - $43.34
2688 Oil or Gas Lease Operations - Well Perforating $1.66 $0.190 - $43.34
4000 Stone Crushing $1.66 $0.190 - $43.34
1005 Underground Coal Mining $1.66 $0.190 - $43.34
4038 Sand or Gravel Digging $1.66 $0.190 - $43.34
Why no per-state rates here? Ohio runs a monopolistic state fund (Ohio Bureau of Workers' Compensation (BWC)), so private carriers do not file public rates. The class codes above use the same NCCI nomenclature, but your binding rate comes from your carrier's filed loss cost multiplier (LCM) applied to those base loss costs.

Ohio compliance for Mining & Extraction employers

Coverage threshold

1 or more employees (private employers must obtain coverage from Ohio BWC; no private workers compensation carriers permitted in Ohio)

1099 vs W-2 in Mining & Extraction

Workers are generally considered employees unless they meet specific criteria for independent contractor status, which is determined by a multi-factor test focusing on control and independence.

Owner exclusion

Allowed in Ohio. 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

1 year from injury date in Ohio.

Audit window

Ohio carriers audit payroll Within 90 days of policy expiration for private employers, but BWC can audit at any time.. Keep Mining & Extraction payroll segregated by class code and have job-duty documentation ready.

Cross-cite: full Ohio workers comp overview · Mining & Extraction cross-state rate comparison · Ohio workers comp lawyer guide · Ohio settlement chart

Estimate your Mining & Extraction premium in Ohio

Pre-filled to Mining & Extraction and Ohio. 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.

Filing checklist for Mining & Extraction businesses in Ohio

  1. Step 1, Confirm coverage threshold

    1 or more employees (private employers must obtain coverage from Ohio BWC; no private workers compensation carriers permitted in Ohio) For Mining & Extraction operations, this typically applies once you make a first W-2 hire, even part-time.

  2. 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. Across reporting states, Mining & Extraction median rates run $1.66 per $100 with a range of $0.190 to $43.34.

  3. Step 3, Get a quote

    Ohio Bureau of Workers' Compensation (BWC) is one option in Ohio; private carriers (Travelers, Hartford, Liberty Mutual, AmTrust) also write coverage. Schedule credits up to 25% are typical for low-loss accounts.

  4. Step 4, Document subcontractors

    A principal contractor can be held liable for the workers' compensation coverage of their subcontractors if the subcontractor does not have 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.

  5. Step 5, Annual audit

    Carriers audit payroll Within 90 days of policy expiration for private employers, but BWC can audit at any time.. 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.

Penalty for non-coverage in Ohio: Employers failing to secure coverage face fines, stop-work orders, and potential criminal charges. They are also liable for all medical costs and lost wages for injured employees.

Mining & Extraction workers comp FAQs in Ohio

Why aren't Mining & Extraction workers comp rates published for Ohio?

Ohio is a monopolistic state fund. Class-by-class rate data for this state is available through the rating bureau or licensed brokers. For a national reference, Mining & Extraction median rates run $1.66 per $100 of payroll across all reporting states, with a typical range of $0.190 to $43.34.

How can a Mining & Extraction business in Ohio get a real quote?

Get a quote from any private carrier licensed in Ohio or the state fund (Ohio Bureau of Workers' Compensation (BWC)). Provide your annual payroll, ownership structure, and your current Mining & Extraction class code. Most carriers will return a binding quote within 24-48 hours.

Are Mining & Extraction 1099 contractors covered by workers comp in Ohio?

Workers are generally considered employees unless they meet specific criteria for independent contractor status, which is determined by a multi-factor test focusing on control and independence.

What is the maximum weekly benefit for an injured Mining & Extraction worker in Ohio?

Ohio 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 Ohio?

The statute of limitations in Ohio is 1 year 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 Ohio?

Yes, Ohio 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.

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