Farm - Vegetable & Drivers
Michigan Workers' Compensation Class Code 0008 • NCCI • Effective 2025-01-01
Current Rate
$3.40
per $100 of payroll
NCCI 2025-01-01
What is Class Code 0008?
Class code 0008 applies to vegetable farming operations and their drivers. This includes field preparation, planting, cultivating, harvesting, and packing of vegetables. In Florida, this classification is especially common in the Immokalee, Homestead, and Belle Glade agricultural regions, where tomatoes, peppers, cucumbers, and other vegetables are grown on a commercial scale. Workers face risks from equipment operation, repetitive motion, heat exposure, and chemical handling.
Who is Covered Under This Code?
Field laborers, harvest workers, irrigation workers, equipment operators, and drivers who transport vegetables from the farm.
Tips to Reduce Your Premium
- Pay-as-you-go workers comp is ideal for seasonal agricultural operations
- Separate supervisory and clerical staff under appropriate lower-rated codes
- Heat stroke prevention is critical — document your heat illness prevention plan
- Verify that farm labor contractors carry their own workers comp coverage
Real-World Examples
A 15-person vegetable farm in Belle Glade, Florida, growing sweet corn and green beans for local markets. A large-scale tomato operation in Immokalee with 50 seasonal workers harvesting and packing produce for distribution across the Southeast.
Common Claim Scenarios
Frequent claims involve heat exhaustion and heatstroke due to prolonged outdoor work in Florida's climate, often leading to dehydration and collapse. Musculoskeletal injuries from repetitive tasks like bending and lifting during harvesting are also common.
Safety & Loss Prevention
- Implement a heat illness prevention program, including mandatory water breaks, shaded rest areas, and acclimatization schedules.
- Provide ergonomic tools and training to reduce strain from repetitive harvesting tasks.
- Ensure all farm equipment is regularly inspected and maintained to prevent accidents.
- Provide adequate sanitation facilities and encourage frequent handwashing to prevent the spread of illness.
Rate Comparison by State
Frequently Asked Questions
What is workers comp class code 0008?
Class code 0008 applies to vegetable farming operations and their drivers. This includes field preparation, planting, cultivating, harvesting, and packing of vegetables. In Florida, this classification is especially common in the Immokalee, Homestead, and Belle Glade agricultural regions, where tomatoes, peppers, cucumbers, and other vegetables are grown on a commercial scale. Workers face risks from equipment operation, repetitive motion, heat exposure, and chemical handling.
What is the workers comp rate for class code 0008 in Michigan?
The current workers' compensation rate for class code 0008 in Michigan is $3.40 per $100 of payroll, as set by NCCI effective 2025-01-01. Your actual premium will also depend on your experience modification factor (EMR) and the carrier you choose.
Who is covered under class code 0008?
Field laborers, harvest workers, irrigation workers, equipment operators, and drivers who transport vegetables from the farm.
How can I reduce my workers comp premium for class code 0008 in Michigan?
Pay-as-you-go workers comp is ideal for seasonal agricultural operations Separate supervisory and clerical staff under appropriate lower-rated codes Heat stroke prevention is critical — document your heat illness prevention plan Verify that farm labor contractors carry their own workers comp coverage
Do I need workers comp insurance for employees classified under code 0008 in Michigan?
Yes. Michigan requires most employers to carry workers' compensation insurance for their employees. Class code 0008 employees must be covered. Penalties for non-compliance in Michigan can be severe, including stop-work orders and fines. Contact Bright Coast Insurance at (239) 323-0785 for a fast, competitive quote.
Rates shown are advisory loss costs or assigned risk rates as of the effective date listed. Your actual workers' compensation premium will depend on your specific payroll, experience modification factor (EMR), carrier selection, and other underwriting factors. Contact Bright Coast Insurance for an accurate quote tailored to your business.
Premium Estimator
Enter your annual payroll to estimate your base premium for code 0008 in MI.
Quick Facts
- Class Code
- 0008
- State
- Michigan
- Rate per $100
- $3.40
- Rating Org
- NCCI
- Effective
- 2025-01-01
Related Class Codes
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