Landscaping & Lawn Care Workers' Comp
Workers' Comp That Won't Bury Your Landscaping Budget
Competitive rates for landscapers, lawn care operators, tree services, and grounds maintenance crews.
Workers' Compensation for Landscaping & Lawn Care
Workers' compensation insurance for landscaping companies is a policy that covers medical expenses, lost wages, and disability benefits for landscaping, lawn care, and tree service employees injured on the job from equipment, heat exposure, falls, and vehicle accidents. Landscaping workers' comp rates typically run $4-$8 per $100 of payroll for general landscaping (class code 0042), with tree services (code 0106) costing significantly more due to fall and chainsaw risk. A landscaping company with $200,000 in annual payroll might pay $8,000-$16,000 per year. We understand the seasonal nature of the business and can structure pay-as-you-go policies that match your cash flow, so you only pay for coverage when employees are actively working.
Why Landscaping & Lawn Care Need Workers' Comp
- ! Outdoor physical work carries high injury risk — cuts, falls, heat illness, equipment injuries
- ! Required by law in virtually every state for businesses with employees
- ! Many commercial clients and HOAs require proof of workers' comp before hiring you
- ! Seasonal employee fluctuations need to be properly managed
- ! Vehicle-related injuries for crews driving between job sites
Common Landscaping & Lawn Care Claims
- ⚠ Lacerations from mowers, trimmers, and chainsaws
- ⚠ Back and muscle injuries from lifting, digging, and bending
- ⚠ Heat stroke and heat exhaustion during summer months
- ⚠ Falls from ladders and elevated work (tree service)
- ⚠ Vehicle accidents driving between job sites
- ⚠ Eye injuries from flying debris
Workers' Comp Class Codes for Landscaping & Lawn Care
The correct class code determines your premium rate. We'll assign the right code for your state and operations.
| Code | Description | Notes |
|---|---|---|
| 0042 | Landscape Gardening & Maintenance & Drivers | — |
| 0106 | Arborist — Tree Services | — |
| 6400 | Fence Erection — All Types | — |
| 6229 | Irrigation or Drainage System Construction | — |
What Affects Your Landscaping & Lawn Care Workers' Comp Cost?
Class code — tree service (0106) is significantly higher than general landscaping (0042)
Total annual payroll including seasonal workers
Number of vehicles and drivers
Claims history and safety record
Equipment and safety training programs
Whether work includes tree removal or climbing
Frequently Asked Questions
How much does workers' comp cost for a landscaping company? +
Landscaping (code 0042) typically runs $4-$8 per $100 of payroll. Tree services (code 0106) are higher due to the fall and chainsaw risk. A landscaping company with $200,000 in payroll might pay $8,000-$16,000 annually. We shop multiple carriers for the best rate.
How do I handle seasonal employees on my policy? +
Workers' comp premiums are based on actual payroll, so you only pay for coverage when employees are working. Most policies are audited annually, and your final premium adjusts based on actual payroll figures. We can set up pay-as-you-go billing to match your cash flow.
Does workers' comp cover employees using personal vehicles? +
Workers' comp covers employees injured while performing work duties, including driving between job sites. However, the commute to and from the first/last job site of the day is typically not covered. Commercial auto insurance is also recommended.
Is tree service covered under the same class code as lawn care? +
No. Tree service and arborist work (code 0106) is classified separately from general landscaping (code 0042) because it carries higher risk. If you do both, payroll must be split between the two codes.
Landscaping & Lawn Care Workers' Comp — Available in 23 States
We're licensed to provide workers' compensation quotes in the following states:
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