Lawn Care Workers Compensation

Buy lower cost workers compensation insurance for your lawn or landscaping business.

Workers Compensation Insurance for lawn care and landscaping

See if your lawn or landscaping company qualifies for one of our Target Industry Programs.

We have target workers comp programs available for lawn care, landscaping, and gardening services. Many of our programs include coverage for snow removal as well so you can work during the off season. Our program insurance carriers offer discounted work comp rates up to 20% below market average. Get free, no obligation, quotes today including liability and property coverage for multi-line discounts and policy credits.

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Lawn and Landscaping Workers Comp Insurance

Industry Classes Included in our Lawn Service Programs

Class Codes
Brief Business Description of Operations we Cover
Park NOC. This is the most common classification used for lawn care companies and includes many related functions such as mowing, weeding, grounds maintenance, raking, fertilizing, and limited trimming and planting operations. Generally this class code is best suited for lawn care companies providing routine lawn services.
This is a more specific class code related to the maintenance of athletic parks. It includes athletic parks where sporting events are viewed and applies to the care and maintenance of the entire facility.
Auto Sales and Dealers. Applies to sales people employed by new and used care dealerships. This class also includes salespeople for boat and outboard engine dealerships. Not applicable to MA or TX.
Tree pruning, spraying, and repairing is a specialized classification due to potential height exposure and the utilization of specific equipment such as chainsaws and sheers. This class may include pruning, removal, grinding, harvesting, and driving.
Cemetery operations is closely related to these other codes in that much of the same work is performed. However, cemetery operations utilizes a specific code in most states.
Many specialized park operations utilize this classification for rating coverage. Types of parks that may be apply include amusement parks, ranges, arenas, concessions, golf, boat rentals, racing, rodeos, tracks, and zoos.
Classifying coverage for lawn care and landscaping industries can very between states due to exceptions and the nature of the operations. Contact one of our licensed producers for detailed information about your state requirements.
State Availability

All States except ND, OH, WA, and WY

Lawn Care Highlights

Pay As You Go Coverage

A Rated Insurance Carriers

New Businesses Accepted

Deductible Plan Options

Lapses in Coverage Accepted

Other Lines of Coverage

In addition to offering specialized programs for workers compensation insurance, we've developed package programs for lawn and landscaping to include coverage for GL, property, equipment, and auto. Ask about our package options.

Top Carriers for Auto Service and Repair Coverage


AmTrust is a national carrier with a workers comp and BOP program for lawn care.

Liberty Mutual Insurance

Liberty Mutual is an all-lines carrier offering credits for qualified landscaping and lawn care companies.

Markel FirstComp

FirstComp offers some of the lowest rates and price on coverage in their target states.

Accident Insurance

Accident has both a package program and workers comp program for lawn and landscapers.

Accident Fund

Accident Fund is offering exceptional pricing for new and existing landscaping businesses.

The Hartford

The Hartford offers credits and multi-line discounts on all lines of coverage for both classes of business.

Class Sub-Categories

Lawn Care


Mowing Companies

Facility Maintenance

Landscape Designers

Lawn Equipment Repair

Getting Quotes

We offer additional quote options from some of our other insurance companies depending on your state, nature of business, and claims experience. Give us a call today to learn more about our programs. And to see if your business qualifies for lower cost coverage on workmans comp.

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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