Workers' Comp Coverage for Landscaping Services

We’ve been helping landscape service owners find affordable coverage for over 15 years. Our Experts understand the unique underwriting requirements from the insurance companies. That’s why we’ve developed programs designed to help you get the best rates and most flexible payment options.

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Workers' Compensation Class Codes Related to Landscaping

Employees are grouped into classification codes based on what they do for their job. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies categorize employees. Insurance companies create a manual rate for each class code in order to price a policy.

Properly classifying workers is an important part of the quote process. Mis-classified employers may end up paying too much for coverage or owing too much after an audit.

Landscaping Workers' Compensation

Class Code 0042
Landscaping- All Employees

Businesses primarily engaged in providing landscaping and hard-scaping services at homes and commercial properties. Landscaping services often include beautification work associated with laying out grounds. This includes retaining walls, stone patios, planting trees and shrubs and erosion control. Clearing and grading may be necessary to a small degree. Sod installation is also included under this NCCI class code.

Landscaping services are often provided in conjunction with lawn care services: class code 9102. A business will need to keep clear payroll records documenting work performed in each class code in order to divide payroll during an annual workers' comp audit. Otherwise an insurance company will apply the most expensive class code to the payroll.

Landscaping services is a separate operation from excavation- 6219. Excavation involves changing the contour of the land and may include back-filling dirt. Tree pruning and trimming is also a separate operation and generally falls under tree service- 0601.

Alternative State Class Codes for Landscaping:

Many states often use special class codes, other than the class codes recommended by NCCI, for certain industries..

Synonyms: landscape gardening, landscaper, landscaping, hardscaping, sod installation, artificial turf installation.


licensed throughout the United States

How Does Workers' Comp Work?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

Injuries and accidents happen. A workers’ comp policy is a no-fault system that pays for these accidents and claims. It’s required by law in most states.

Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.

In some instances, workers’ compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.

How Much is Landscaping Insurance?

The average rate our customers pay for workers’ compensation under the landscaper class code is around $6.00 per $100 of payroll. The average cost for a general liability insurance policy is about $1,100.00.

  • Work Comp is priced based on payroll
  • Your state and EMR Rating will affect your cost
  • The type of landscaping work can modify rates
  • Premium discounts and policy credits may apply
  • GL rates are based on sales (rated per $1000)
  • Gross revenue may affect pricing
  • The type equipment used matters to underwriters
  • Prior clams and years in business affect pricing
  • SIC code 0783- Landscaping Services

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We've developed affordable insurance programs for Landscape.