Workers' Compensation Insurance for Landscapers & Lawn Care Pros

Policies for gardeners, lawn care and snow removal companies

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Why do Landscapers need
Workers' Compensation Insurance?

Comply with state laws
Comply with state laws
Avoid fines
Avoid fines
Protect your employees
Protect your employees
Protection from lawsuits
Protection from lawsuits

...'cause they can get hurt

Accidents happen. Having a lawn care workers’ comp insurance plan not only gives workers peace of mind in the event of bodily injuries, but it also protects your business.

  Common landscaper injuries

  • Strained and pulled muscles
  • Hearing loss
  • Trips and falls

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had a workers comp policy, they do not need to pay anything towards the bills.

What will Lawn Care & Landscapers' Insurance pay for?

  • Medical bills
  • Rehab and therapy expenses
  • Lost wages and disability benefits
  • Funeral cost
Medical supplies for injured workers

How much does Workers' Comp Insurance
for Landscapers cost?

What's the cost based on?

charts and symbols for workers comp cost

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Landscapers & Lawn Care Pros

0042 - Landscape Gardening Contractor

0042 - Turf or Sod Installation

9102 - Park or Lawn Maintenance

9102 - Lawn Maintenance - No Tree Planting or Removal

9102 - Lawn Mowing Service

6217 - Landscaping With Tree Removal or Excavation


Don't see your business classification?
We're here to help. Call or text 866-338-8823.

Get Workers’ Compensation for Landscapers & Lawn Care Pros today!

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Helpful tips to save money

Choosing Lawn Care & Landscapers insurance services may sound simple, but doing it wrong can be very costly. Here’s how to save money:

Classify workers correctly

Classify your workers correctly
For example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

Don't underestimate your payroll

Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.

Have a clear process to report claims

Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved. 

Report every incident

Report every incident
- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

Prepare for your audit

Prepare for your audit
Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later!

FAQ talk bubbles

FAQ's on Workers' Comp for Landscapers

How quickly can I get my certificate of insurance?

Certificates are usually issued 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.

The service we offer is very basic lawn care: We only mow lawns and some edging along with blowing. Is our business still considered a landscaping business with regard to workers' compensation insurance?

No. If your operation is a “mow and blow,” you would be “Lawn Care/Lawn Maintenance” (class code 9102) and not “Landscape Gardening Contractor” (class code 0​​042). The latter is more appropriate for true landscaping, such as planting trees, creating flower beds, and doing other work that is typically associated with those kinds of services.

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

Document with workers comp for lawn care pros & landscapers insurance quote surrounded by insurance icons

Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

  • Avoid surprise bills at audit
  • Make sure all your employees are properly covered
  • Protect yourself from lawsuits

What do we check?

  • Business categorized correctly
  • Employees job roles
  • Special discount opportunities

Get Workers’ Compensation for Landscapers today!

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