Farm - Nursery Employees & Drivers
North Carolina Workers' Compensation Class Code 0005 • NCRB • Effective 2026-04-01
Current Rate
$1.07
per $100 of payroll
NCRB 2026-04-01
What is Class Code 0005?
Class code 0005 covers nursery employees and their drivers who cultivate, grow, and sell plants, trees, shrubs, and related horticultural products. Work includes propagating plants in greenhouses, transplanting seedlings, maintaining growing beds, loading and unloading plant stock, and operating nursery equipment. Florida's year-round growing season makes this a significant classification in the state, particularly in areas like Homestead, Plant City, and the Treasure Coast.
Who is Covered Under This Code?
Nursery workers, greenhouse employees, plant propagators, irrigation workers, nursery truck drivers, and supervisors who perform hands-on nursery work.
Tips to Reduce Your Premium
- Separate clerical and sales staff under code 8810 or 8742 to reduce overall premium
- Implement heat illness prevention programs — Florida's climate increases heat-related claim risk
- Ensure drivers are properly licensed and MVR-checked to avoid premium surcharges
- Maintain OSHA-compliant pesticide handling procedures to reduce chemical exposure claims
Rate Comparison by State
| State | Description | Rate / $100 | |
|---|---|---|---|
| NC | Farm - Nursery Employees & Drivers | $1.07 | Current |
| FL | Farm - Nursery Employees & Drivers | $3.12 | View |
| MI | Farm - Nursery Employees & Drivers | $2.80 | View |
| IL | Farm - Nursery Employees & Drivers | $2.60 | View |
| TX | Farm - Nursery Employees & Drivers | $2.40 | View |
| SC | Farm - Nursery Employees & Drivers | $2.90 | View |
Frequently Asked Questions
What is workers comp class code 0005?
Class code 0005 covers nursery employees and their drivers who cultivate, grow, and sell plants, trees, shrubs, and related horticultural products. Work includes propagating plants in greenhouses, transplanting seedlings, maintaining growing beds, loading and unloading plant stock, and operating nursery equipment. Florida's year-round growing season makes this a significant classification in the state, particularly in areas like Homestead, Plant City, and the Treasure Coast.
What is the workers comp rate for class code 0005 in North Carolina?
The current workers' compensation rate for class code 0005 in North Carolina is $1.07 per $100 of payroll, as set by NCRB effective 2026-04-01. Your actual premium will also depend on your experience modification factor (EMR) and the carrier you choose.
Who is covered under class code 0005?
Nursery workers, greenhouse employees, plant propagators, irrigation workers, nursery truck drivers, and supervisors who perform hands-on nursery work.
How can I reduce my workers comp premium for class code 0005 in North Carolina?
Separate clerical and sales staff under code 8810 or 8742 to reduce overall premium Implement heat illness prevention programs — Florida's climate increases heat-related claim risk Ensure drivers are properly licensed and MVR-checked to avoid premium surcharges Maintain OSHA-compliant pesticide handling procedures to reduce chemical exposure claims
Do I need workers comp insurance for employees classified under code 0005 in North Carolina?
Yes. North Carolina requires most employers to carry workers' compensation insurance for their employees. Class code 0005 employees must be covered. Penalties for non-compliance in North Carolina can be severe, including stop-work orders and fines. Contact Bright Coast Insurance at (239) 228-8029 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 0005 in NC.
Quick Facts
- Class Code
- 0005
- State
- North Carolina
- Rate per $100
- $1.07
- Rating Org
- NCRB
- Effective
- 2026-04-01
Related Class Codes
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