Workers Compensation in Natural Resource Extraction & Mining

What to Know

Natural Resource Extraction & Mining is a high-risk industry in workers’ compensation because in addition to overextension hazards common in many industries, these jobs face greater potential for accidents. Furthermore, the injuries suffered are often more severe.
The nature of your business, number of employees being covered and past coverage and claims are all factors in how much your premium will cost. Learn more about workers' comp insurance rates >>

Potential Hazards

The greatest danger in mining is the threat of a collapse. Working in trenches six feet below grade will make your business a greater risk.
Extreme heat, vibrations, exposure to chemicals and use of explosives can all lead to injury.
Cuts, scrapes and bruises are common, as well as back pain, crush injuries and respiratory problems.

About Work Class Codes

Many businesses have several work class codes that describe what their employees do. It’s important to classify each group of employees accurately because it could alter your premium dramatically.

Natural Resource Extraction & Mining Work Class Codes

Crude petroleum & natural gas extraction
Strip mining
Metal ore mining
Stone quarrying
Chemical & fertilizer mineral mining

Other Tips

If you employ workers in multiple states or your employees are temporarily working out-of-state, you need to purchase insurance for all the states where your workers are located, according to each state’s laws.

Call 1-800-416-0285 and let us walk you through it.

The nature of your business, number of employees being covered and past coverage and claims are all factors in how much your premium will cost.

Learn more about workers’ comp insurance rates >>

Here's What You Need to Get Started

To buy workers compensation insurance, you need to request a quote from a licensed insurance agent and provide some details about your business.

Here’s what to have in front of you:

Number of employees in each class code.
Total payroll for all employees. You may be able to exclude yourself if you don't wish to be covered under the policy.
Federal ID Number. If you are a sole proprietor, you can use your Social Security Number.
Copy of your workers comp insurance policy, if you've had coverage or claims in the past few years. If you know your company's experience mod, please have your experience mod rating sheet or policy in front of you. Otherwise, you will be assigned a default rating of 1.0.