Workers' Comp Coverage for Tree Service Businesses

Finding affordable insurance for tree trimming is not easy. We’ve been helping arborists find easy and affordable coverage for over 15 years. Our experts understand the underwriting requirements from the insurance companies and we know how to negotiate the lowest rates on coverage. That’s why we’ve developed tree service 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.

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Claims Management

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Workers' Comp Codes Related to Tree Service

Employees are grouped into classification codes based on their job duties and work functions. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies and agents categorize employees for rating purposes. Insurance companies set a base manual rate for each class code in order to begin pricing a policy.

Properly classifying workers is an important part of the quote process. Mis-classified employees can cost small businesses thousands of dollars. You could end up paying too much for coverage or owing more money after an annual audit.

Workers' Comp for Tree Service Companie

Class Code 0106
Tree Service and Removal

Class code 0106 is the most common class code used for tree trimmers and arborists. It applies to contractors who use tools and equipment to prune, spray, trim, fumigate, or repair trees. Work performed may include incidental tree removal, chipping, cleanup, and the hauling of limbs and debris. Work can be done at ground level, on ladders, or bucket trucks. Equipment may include shears, saws, pruners, chain saws, guy wires and spraying equipment. In some cases when lawn care companies provide pruning operations performed on ground level the may be eligible to use class code 9102- Lawn Care Services.

Class Code 2702
Tree Removal- Logging

Code 2702 applies to companies that remove trees, standing timber, and brush removal using hand or power tools. Applicable when clearing land for residences, power lines, golf courses, etc. This code also includes stump removal when done in conjunction with logging and tree removal.

Class Code 6217
Tree Excavation

When the clearing or removal of trees and brush utilizes mechanical equipment such as bulldozers, hydroaxes, and hi-lifts it is classified under the excavation class code. This class also includes the relocation or installation of trees wit the use of tree spades.

Class Code 0005
Tree Planting

Code 0005 is the standard classification code for facilities devoted to growing trees, shrubs, and plants. These companies may also deliver and plant trees at the customers' locations.

Alternative State Class Codes for Tree Service:

Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.

Related: arborist, tree service, tree trimming, tree pruning, tree removal, stump grinding, tree spraying, tree fumigation, christmas tree harvesting,


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 Does Flooring Insurance Cost?

The average rate our customers pay for workers’ compensation under the flooring class code is between $4.05 and $5.00 per $100 of payroll. The average cost for a general liability insurance policy is about $1,150.00.

  • Work Comp is priced based on payroll
  • Your state and Emod will affect your cost
  • The type of flooring installed can modify rates
  • Premium discounts and policy credits may apply
  • GL rates for flooring are based on payroll (rated per $1000)
  • Gross revenue may affect pricing
  • tools and materials used matter to underwriters
  • Prior clams and years in business affect pricing
  • Flooring SIC codes-1747, 1751, 1752

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