Workers' Comp Coverage for Tree Service Businesses
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Workers' Comp Codes Related to Tree Service
Employees are grouped into classification codes based on their job duties and work functions. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies and agents categorize employees for rating purposes. Insurance companies set a base manual rate for each class code in order to begin pricing a policy.
Properly classifying workers is an important part of the quote process. Mis-classified employees can cost small businesses thousands of dollars. You could end up paying too much for coverage or owing more money after an annual audit.
Class Code 0106
Tree Service and Removal
Class code 0106 is the most common class code used for tree trimmers and arborists. It applies to contractors who use tools and equipment to prune, spray, trim, fumigate, or repair trees. Work performed may include incidental tree removal, chipping, cleanup, and the hauling of limbs and debris. Work can be done at ground level, on ladders, or bucket trucks. Equipment may include shears, saws, pruners, chain saws, guy wires and spraying equipment. In some cases when lawn care companies provide pruning operations performed on ground level the may be eligible to use class code 9102- Lawn Care Services.
Class Code 2702
Tree Removal- Logging
Code 2702 applies to companies that remove trees, standing timber, and brush removal using hand or power tools. Applicable when clearing land for residences, power lines, golf courses, etc. This code also includes stump removal when done in conjunction with logging and tree removal.
Class Code 6217
Tree Excavation
When the clearing or removal of trees and brush utilizes mechanical equipment such as bulldozers, hydroaxes, and hi-lifts it is classified under the excavation class code. This class also includes the relocation or installation of trees wit the use of tree spades.
Class Code 0005
Tree Planting
Code 0005 is the standard classification code for facilities devoted to growing trees, shrubs, and plants. These companies may also deliver and plant trees at the customers' locations.
Alternative State Class Codes for Tree Service:
Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.
Related: arborist, tree service, tree trimming, tree pruning, tree removal, stump grinding, tree spraying, tree fumigation, christmas tree harvesting,
How Does Workers' Comp Work?
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
How Much Does Flooring Insurance Cost?
The average rate our customers pay for workers’ compensation under the flooring class code is between $4.05 and $5.00 per $100 of payroll. The average cost for a general liability insurance policy is about $1,150.00.
- Work Comp is priced based on payroll
- Your state and Emod will affect your cost
- The type of flooring installed can modify rates
- Premium discounts and policy credits may apply
- GL rates for flooring are based on payroll (rated per $1000)
- Gross revenue may affect pricing
- tools and materials used matter to underwriters
- Prior clams and years in business affect pricing
- Flooring SIC codes-1747, 1751, 1752
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
What Happens Next?
We go find for your best price
- Our software matches you with top-rated carriers
- Our agents apply and negotiate your lowest rates
- We present and recommend your best options