Lawn Care
Workers' Compensation Insurance
We've developed more affordable insurance programs that reduce the average cost of lawn care insurance.
Get Better QuotesPrefer to speak with A Workers' Compensation Specialist?
Give us a call today at 888-611-7467
Workers' Comp Coverage for Lawn Care
We've been helping lawn care service companies find affordable mowing 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 lawn care insurance 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 Lawn Care 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 lawn service companies.
Liberty Mutual is a national carrier. They write all lines of coverage and offer great workers comp rates on lawn mowing class codes.
Benchmark ia a fast growing carrier expanding into most states. Lawn care 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 lawn care. They have outstanding rates for target risks.
Travelers is an outstanding insurance company with a broad appetite and low rates. Great for lawn care general liability 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 commercial packages including lawn care general liability and workers' comp insurance.
Shop coverage like a Pro.
Workers' Compensation Class Codes Related to Lawn Care
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 9102 | Lawn Care
Lawn maintenance businesses are primarily engaged in providing lawn care such as mowing, weed-eating and other light lawn maintenance such as replenishing mulch and other general ground maintenance. Lawn spraying for fertilization and weed control is commonly included under this class code. Work can be performed for individuals, business facilities and other private and public entities and municipalities. Golf course maintenance is typically included under this code as well.
Landscaping services are often provided in conjunction with lawn care services: class code 0042. 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.
Lawn care 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 |
|---|---|
| 0042 | Lawn Care and Landscaping | California / New York |
| 9014 | Lawn Maintenance | Delaware / Pennsylvania |
| 012 | Landscapers | Delaware / Pennsylvania |
Synonyms: lawn maintenance, park NOC, golf course grounds maintenance, country club grounds-keeping, park maintenance, lawn mowing.
Workers Compensation Shop.com is a national Agency, licensed throughout the United States.
Get the Best Lawn Care Insurance Coverage
A lot of lawn care companies are overpaying for coverage because their agent does not have access to the lowest cost insurance companies. Other business owners are using installment plans based on estimated payroll that doesn't change as payroll fluctuates. We help our customers find the best insurance rates for each unique state and type of lawn care business. Our Pay As You Go payment plans will improve your business cash flow. We work with new business owners and companies with higher Experience Modification Ratings. We've been writing lawn care insurance since 2005.
| Program Features |
|---|
| No Minimum Premium Requirements |
| Pay As You Go Work Comp - $0 Deposit |
| Guaranteed Cost and Deductible Options |
| National Lawn Maintenance Insurance Expertise |
| More Markets for More Solutions |
| 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 Lawn Care Insurance Costs
The cost of business insurance has been increasing for lawn maintenance companies. General liability and workers' comp insurance have been the major cause of the increase in the cost. We've partnered with our insurance companies to provide more affordable commercial insurance packages for our customers. Ask about our package insurance options for lawn care:
Workers Compensation and Employers Liability
Commercial General Liability
Personal Property and Commercial 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 Lawn Care Insurance?
The average rate our customers pay for workers' compensation under the xx class code is around $3.00 per $100 of payroll. The average cost for a general liability insurance policy is about $600.00.
Workers' Comp Costs
- Work Comp is priced based on payroll
- Your state and EMR Rating will affect your cost
- The type of work can modify rates
- Premium discounts and policy credits may apply
General Liability Costs
- GL rates for lawn care are based on payroll (rated per $1000)
- Gross revenue may affect pricing
- The type of work done matters to underwriters
- Prior clams and years in business affect pricing
- SIC code: 0782 Lawn Maintenance
Then there's Trusted Service.
Thanks for the award Feefo- Work Comp Shop
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
- Secure
- Fast
- Easy
Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.
(888) 611-7467 8 a.m.- 5 p.m. - Central, M - F
California DBA: I-Shop Online Insurance Agency.
