...'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.
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.
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.
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
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
You will be expected to pay the difference at the end of the policy.
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
- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.
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!
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 0042). 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.
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