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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

Common types of Lawn Care & Landscapers workers we can insure

Lawn Mowing Service Insurance

Lawn Mowing Service

Tree Removal Insurance

Tree Removal

Turf or Sod Installation Insurance

Turf or Sod Installation

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

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 Workers' Comp Insurance pay for?

  • Medical bills
  • Rehab and therapy expenses
  • Lost wages and disability benefits
  • Funeral cost
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How much does Workers' Comp Insurance
for Landscapers cost?

On average, workers' compensation insurance for landscaping companies, based on an annual payroll of $50,000, costs $230 per month.

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What's the cost based on?

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

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

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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:

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

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

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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. 

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

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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! A Lawn Care & Landscapers Workers’ Compensation Audit Checklist can help.

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! A Lawn Care & Landscapers Workers’ Compensation Audit Checklist can help.

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FAQ's on Workers' Comp for Landscapers

How quickly can I get my certificate of insurance?

We usually issue certificates 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.

Will my policy cover a job in a state where I haven't worked before?

Always check with your insurance company about jobs in different states, particularly for overnight stays. Your policy might not extend to work outside its original state coverage. While single-day jobs could be less problematic, notifying your insurer is crucial for longer jobs to make sure you are properly covered.

What if I'm asked to perform a service that I don't usually offer? Can I subcontract it?

Yes, you can subcontract work for services you don't provide. However, you need to verify that the subcontractor has their own workers' compensation insurance. Make sure to obtain a Certificate of Insurance from the subcontractor before work starts to confirm their coverage.

State laws on Workers' Comp for Landscapers

Workers' compensation is regulated at the state level, so rules and penalties vary by state.

For example, New Jersey requires coverage for any business with one employee. Florida, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.

If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements.

Choose your state from the dropdown to learn more.

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*Don't see your state? Have no fear!
Kickstand does business nationwide.
Our web team hasn't gotten to the other state pages yet.
Reach out and we'll help you. Call 866-338-8823.
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Need other types of insurance for Landscapers?

Yes, we can help with that too!

Learn more about Lawn Care & Landscapers Insurance

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

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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
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Get Workers’ Compensation for Landscapers today!

It’s time to get the coverage you need. Just complete our simple online form and we’ll get you a no-obligation quote and connect with one of our expert agents. It’s that simple!

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