Workers' Comp Coverage for Lawn Care

We’ve been helping lawn care service companies find affordable mowing 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.

Pay as you go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Workers' Compensation Class Codes Related to Lawn Care

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.

Lawn Care Workers Compensation.

Class Code 9082
Restaurant- Full Service

Class Code 9102
Lawn Care

Lawn maintenance businesses are primarily engaged in providing lawn care such as mowing, weed-eating and other light lawn maintenance such as replenishing mulch and other general ground maintenance. Lawn spraying for fertilization and weed control is commonly included under this class code. Work can be performed for individuals, business facilities and other private and public entities and municipalities. Golf course maintenance is typically included under this code as well.

Landscaping services are often provided in conjunction with lawn care services: class code 0042. 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.

Lawn care 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: lawn maintenance, park NOC, golf course grounds maintenance, country club grounds-keeping, park maintenance, lawn mowing.


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 Lawn Care Insurance?

The average rate our customers pay for workers’ compensation under the xx class code is around $3.00 per $100 of payroll. The average cost for a general liability insurance policy is about $600.00.
  • Work Comp is priced based on payroll
  • Your state and EMR Rating will affect your cost
  • The type of work can modify rates
  • Premium discounts and policy credits may apply
  • GL rates for lawn care are based on payroll (rated per $1000)
  • Gross revenue may affect pricing
  • The type of work done matters to underwriters
  • Prior clams and years in business affect pricing
  • SIC code: 0782 Lawn Maintenance

How do I get started?

Here's what we need from you

What Happens Next?

We go find for your best price

We've developed affordable insurance programs for Lawn Care.