Landscaping
Workers' Compensation Insurance


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Workers' Comp Coverage for Landscaping Services

We've been helping landscape service owners find affordable 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.

We partner with the best carriers writing landscaper coverage.

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.

Our Top Landscape Insurance Companies

Markel FirstComp is a national insurance company licensed in all states.

Markel FirstComp

Markel is a national carrier. Markel offers exceptional workers comp coverage in most states throughout the United States

Markel Insurance

Accident Fund Insurance Company specializes in workers' compensation across the United States.

Accident Fund

Accident Fund Insurance Company of America has a direct focus on writing workers comp coverage for Landscapers.

Accident Fund

Liberty Mutual Workers Compensation Insurance Quotes

Liberty Mutual

Liberty Mutual is a national carrier. They write all lines of coverage and offer great workers comp rates on landscaping class codes.

Liberty Mutual

Benchmark Insurance Company is a mono-line workers comp carrier doing business in most states.

Benchmark Insurance

Benchmark ia a fast growing carrier expanding into most states. landscaping insurance in an industry target.

Benchmark Insurance

Great American offer workers compensation and general liability in virtually all states with an excellent reputation.

Great American

Great American Insurance is an exceptional carrier offering affordable prices and a broad appetite for most types of business.

Great American Insurance Group

ICW Group is a national insurance company that quotes workers comp in most states.

ICW Group

ICW Group offers great coverage for all types of landscapers. They have outstanding rates for target risks.

ICW Group

Travelers Workers Compensation Insurance.

Travelers

Travelers is an outstanding insurance company with a broad appetite and competitive rates. Great for landscaping GL and work comp.

Travelers Insurance

PIE Insurance began offering competitive rates on work comp in 2019 and are expanding fast.

PIE Insurance

PIE Insurance Company is an A-Rated Carrier. They have been aggressive with rates and have a wide appetite.

PIE Insurance

AmTrust offer workers compensation and general liability in virtually all states with an excellent reputation.

AmTrust

AmTrust Financial provides exceptional value for many business types within the landscaping industry.

AmTrust Insurance

We help business owners find the very best deal on workers' comp insurance.
The right quote makes a big difference in price.
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Workers' Compensation Class Codes Related to Landscaping

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.

Class Code 0042 | Landscaping- All Employees

Businesses primarily engaged in providing landscaping and hard-scaping services at homes and commercial properties. Landscaping services often include beautification work associated with laying out grounds. This includes retaining walls, stone patios, planting trees and shrubs and erosion control. Clearing and grading may be necessary to a small degree. Sod installation is also included under this NCCI class code.

Landscaping services are often provided in conjunction with lawn care services: class code 9102. 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.

Landscaping services 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.

Class Code State
012 | Landscapers Delaware / Pennsylvania

Synonyms: landscape gardening, landscaper, landscaping, hardscaping, sod installation, artificial turf installation.

Workers Compensation Shop.com is licensed in all 50 states. We are proud to offer national multi-state coverage.

Workers Compensation Shop.com is a national Agency, licensed throughout the United States.

Get the Best Landscaping Insurance Coverage

A lot of landscapers are overpaying for coverage because their agent does not have access to the lowest cost insurance companies. Others landscapers are using installment plans based on estimated payroll that doesn't adjust as payroll fluctuates. We help our customers find the best insurance rates for each unique state and type of operation. Our Pay As You Go payment plans will improve your business cash flow. We work with new business owners and landscapers with higher Experience Modification Ratings. We've been writing landscaping insurance since 2005.

Program Features
No Minimum Premium Requirements
Pay As You Go Work Comp - $0 Deposit
Guaranteed Cost and Deductible Options
National Landscaping Expertise
More Markets for More Solutions
Commercial Package Insurance Options

Lower Cost Landscaping Business Insurance

The cost of insurance has been increasing. General liability and workers' comp insurance have been the major cause of the increase in these costs. We've partnered with our insurance companies to provide more affordable commercial insurance packages for our customers. Ask about our package insurance options for landscaping and lawn care services:

  Workers' Compensation and Employers Liability

  Commercial General Liability

  Commercial and Personal Property

  Umbrella Liability and more

Not all lines of insurance coverage or all class codes will be available in all states. Contact one of our Workers' Comp Specialists for program details on general liability and workers' compensation insurance.


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How do I get started?

Here's what we need from you

  • Business details, locations, FEIN or SSN
  • Estimated annual payroll and job duties- class codes
  • Claims info or loss history- if applicable

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  • Our software matches you with top-rated carriers
  • Our agents apply and negotiate your lowest rates
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Pay As You Go Workers Compensation Insurance Options.

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Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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