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.
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.
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 9082
Restaurant- Full Service
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.
Synonyms: lawn maintenance, park NOC, golf course grounds maintenance, country club grounds-keeping, park maintenance, lawn mowing.
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 is Lawn Care Insurance?
- 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
- 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
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