TN · Mining & Extraction · 21 codes

Mining & Extraction workers compensation in Tennessee

Mining & Extraction businesses in Tennessee pay a median rate of $1.06 per $100 of payroll, ranging from $0.330 to $5.98. The national median for Mining & Extraction is $1.66, so Tennessee sits 36% below the national average. 21 unique NCCI class codes are filed in this state for Mining & Extraction occupations. Verified 2026-05-09.

Median in TN $1.06
Vs national -36%
Codes filed 21

Top Mining & Extraction class codes in Tennessee

The class codes most likely to apply to a Mining & Extraction operation in Tennessee, 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 $0.330 HIGH
1165 Stone, Sand, Gravel Processing $0.570 HIGH
1320 Surface Metal Mining $0.610 HIGH
1164 Stone, Sand, or Gravel Quarry $0.650 HIGH
1624 Oil/Gas Wells - Drilling/Operation $0.720 HIGH
2688 Oil or Gas Lease Operations - Well Perforating $0.840 HIGH
4038 Sand or Gravel Digging $0.840 HIGH
1165 D Stone, Sand, Gravel Processing $0.920 HIGH
4062 Clay or Shale Digging $0.960 HIGH
1699 Mining N.O.C. $0.980 HIGH

Tennessee compliance for Mining & Extraction employers

Coverage threshold

Employers with 5 or more employees are generally required to carry workers' compensation insurance, with exceptions for certain industries.

1099 vs W-2 in Mining & Extraction

Workers are generally presumed to be employees unless they meet specific criteria for independent contractor status, often based on control and economic dependence.

Owner exclusion

Allowed in Tennessee. Sole proprietor self-coverage optional; LLC member self-coverage optional.

Max weekly benefit

$1,427 at 66.67% of average weekly wage, effective 2025-07-01.

Statute of limitations

1 year from injury date in Tennessee.

Audit window

Tennessee 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 Tennessee workers comp overview · Mining & Extraction cross-state rate comparison · Tennessee workers comp lawyer guide · Tennessee settlement chart

Estimate your Mining & Extraction premium in Tennessee

Pre-filled to Mining & Extraction and Tennessee. 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 Tennessee

$1,650to$29,900

Median: $5,325 · Rate range $0.330 to $5.98 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 Tennessee

  1. Step 1, Confirm coverage threshold

    Employers with 5 or more employees are generally required to carry workers' compensation insurance, with exceptions for certain industries. 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. In Tennessee, the cheapest code on this list is 4825 at $0.330 and the most expensive is 1699 at $0.980.

  3. Step 3, Get a quote

    Private carriers write Mining & Extraction coverage in Tennessee. Schedule credits up to 25% are typical for low-loss accounts.

  4. Step 4, Document subcontractors

    General contractors are generally liable for the workers' compensation coverage of uninsured subcontractors and their employees. 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. 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 Tennessee: Penalties for non-compliance include fines, stop-work orders, and potential criminal charges, with employers liable for all medical expenses and lost wages.

Mining & Extraction workers comp FAQs in Tennessee

What is the typical workers comp rate for Mining & Extraction in Tennessee?

Mining & Extraction employers in Tennessee pay a median rate of $1.06 per $100 of payroll, with rates ranging from $0.330 to $5.98 depending on the specific class code. The national median across all states for Mining & Extraction is $1.66, so Tennessee sits about 36% below the national average.

How many Mining & Extraction class codes are filed in Tennessee?

Tennessee has 21 unique NCCI class codes filed for Mining & Extraction occupations, drawn from 24 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 Tennessee?

Workers are generally presumed to be employees unless they meet specific criteria for independent contractor status, often based on control and economic dependence.

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

Tennessee caps weekly workers comp benefits at $1,427 (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 Tennessee?

The statute of limitations in Tennessee 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 Tennessee?

Yes, Tennessee 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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