Landscaping & Lawn Care Workers' Comp · Florida
Landscaping & Lawn Care Workers' Comp Insurance in Florida
Requirements, class codes, and costs for landscaping & lawn care businesses in Florida — shopped across multiple carriers by a licensed agency.
Is workers' comp required for landscaping & lawn care in Florida?
Florida requires coverage for construction businesses with one or more employees, non-construction businesses with four or more, and agricultural operations with six regular or twelve seasonal workers.
Going without required coverage triggers an immediate stop-work order plus a penalty equal to twice the premium you should have paid over the prior two years.
The one-employee construction rule means even solo trades usually need a policy or a valid state exemption.
Landscaping & Lawn Care class codes
The right class code sets your rate. Florida classifies payroll under NCCI.
| Code | Description |
|---|---|
| 0042 | Landscape Gardening & Maintenance & Drivers |
| 0106 | Arborist — Tree Services |
| 6400 | Fence Erection — All Types |
| 6229 | Irrigation or Drainage System Construction |
See your real rate in minutes
Free and no-obligation — a licensed agent shops multiple carriers for you.
What landscaping & lawn care workers' comp costs in Florida
Florida uses NCCI class codes, and construction classes get extra scrutiny because of the one-employee threshold.
The biggest drivers of your landscaping & lawn care premium:
- · 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
Try our cost calculator for a rough estimate, or request a quote for an exact rate.
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
Frequently asked questions
Is workers' compensation required for landscaping & lawn care in Florida? +
Florida requires coverage for construction businesses with one or more employees, non-construction businesses with four or more, and agricultural operations with six regular or twelve seasonal workers. Going without required coverage triggers an immediate stop-work order plus a penalty equal to twice the premium you should have paid over the prior two years.
How much does landscaping & lawn care workers' comp cost in Florida? +
Florida uses NCCI class codes, and construction classes get extra scrutiny because of the one-employee threshold. Your landscaping & lawn care premium ultimately depends on your class code, payroll, claims history, and experience modification rate — request a quote for an exact, carrier-underwritten rate.
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.
Get Landscaping & Lawn Care Coverage in Florida
Free, no-obligation quotes from a licensed agency — reviewed by a real agent.