Landscaping & Lawn Care Workers' Comp · New York
Landscaping & Lawn Care Workers' Comp Insurance in New York
Requirements, class codes, and costs for landscaping & lawn care businesses in New York — shopped across multiple carriers by a licensed agency.
Is workers' comp required for landscaping & lawn care in New York?
New York requires workers' comp for virtually every employer with one or more employees, including part-time and most family workers.
Penalties reach $2,000 for every 10-day period of non-compliance, plus stop-work orders and possible misdemeanor or felony charges.
Even a single part-time employee generally triggers the requirement.
Landscaping & Lawn Care class codes
The right class code sets your rate. New York classifies payroll under NYCIRB — New York's own rating board and class codes.
| 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 New York
New York has high statutory benefit levels and above-average rates, classified under NYCIRB codes.
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 New York? +
New York requires workers' comp for virtually every employer with one or more employees, including part-time and most family workers. Penalties reach $2,000 for every 10-day period of non-compliance, plus stop-work orders and possible misdemeanor or felony charges.
How much does landscaping & lawn care workers' comp cost in New York? +
New York has high statutory benefit levels and above-average rates, classified under NYCIRB codes. 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 New York
Free, no-obligation quotes from a licensed agency — reviewed by a real agent.