Landscaping
Workers' Compensation Insurance
We've developed affordable insurance programs for landscapers.
Get Better QuotesPrefer to speak with A Workers' Compensation Specialist?
Give us a call today at 888-611-7467
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.
Improve cashflow and reduce the potential for big audit bills.
Get quotes from multiple insurance companies to ensure the lowest rates.
Our carriers have experienced claim managers to close claims quickly.
Our Top Landscape Insurance Companies
Markel is a national carrier. Markel offers exceptional workers comp coverage in most states throughout the United States
Accident Fund Insurance Company of America has a direct focus on writing workers comp coverage for Landscapers.
Liberty Mutual is a national carrier. They write all lines of coverage and offer great workers comp rates on landscaping class codes.
Benchmark ia a fast growing carrier expanding into most states. landscaping insurance in an industry target.
Great American Insurance is an exceptional carrier offering affordable prices and a broad appetite for most types of business.
ICW Group offers great coverage for all types of landscapers. They have outstanding rates for target risks.
Travelers is an outstanding insurance company with a broad appetite and competitive rates. Great for landscaping GL and work comp.
PIE Insurance Company is an A-Rated Carrier. They have been aggressive with rates and have a wide appetite.
AmTrust Financial provides exceptional value for many business types within the landscaping industry.
Shop coverage like a Pro.
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 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 We shop renewals too |
| Commercial Package Insurance Options |
What Does Workers' Comp Cover?
Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
- Loss of income for employees unable to perform job duties
- Medical expenses for employees injured on the job
- Retraining expenses for employees unable to return
- Permanent injury or disability for lasting injuries
- Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
- Injuries resulting from a violation of the law
- Incidents resulting from employees' use fo drugs or alcohol
- Injuries that did not occur in connection with the job
- Clear company policy violations
- Injuries that did not occur in connection with the job
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.
Start a quote online or give one of our experts a call at 888-611-7467.
How Much is Landscaping Insurance?
The average rate our customers pay for workers' compensation under the landscaper class code is around $6.00 per $100 of payroll. The average cost for a general liability insurance policy is about $1,100.00.
Workers' Comp Costs
- Work Comp is priced based on payroll
- Your state and EMR Rating will affect your cost
- The type of landscaping work can modify rates
- Premium discounts and policy credits may apply
General Liability Costs
- GL rates are based on sales (rated per $1000)
- Gross revenue may affect pricing
- The type equipment used matters to underwriters
- Prior clams and years in business affect pricing
- SIC code 0783- Landscaping Services
Then there's Trusted Service.
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How do I get started?
- Business details, locations, FEIN or SSN
- Estimated annual payroll and job duties- class codes
- Claims info or loss history- if applicable
What Happens Next?
- Our software matches you with top-rated carriers
- Our agents apply and negotiate your lowest rates
- We present and recommend your best options
Ready to Start Your Quote?
Don't settle for cookie-cutter rates
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Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.
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