Landscaping is physically demanding, outdoor work that carries real injury risk. Workers comp insurance isn’t just a legal requirement for landscaping businesses — it’s essential protection for your crew and your company.
Risks Landscapers Face
Landscaping workers face injuries from power equipment like mowers, trimmers, and chainsaws. They also face heat exhaustion and dehydration during summer months, back injuries from lifting and digging, slip-and-fall accidents on uneven terrain, and injuries from debris and projectiles.
Workers Comp Class Codes for Landscaping
Landscaping businesses are typically assigned class codes for lawn maintenance, tree trimming, or landscape installation. The rates vary depending on the work involved. Tree work and chainsaw operations tend to carry higher rates than basic lawn mowing. Making sure your employees are classified for the actual work they do — not a catch-all category — can save you significantly.
Seasonal Workers and Workers Comp
Many landscaping businesses hire seasonal employees in spring and fall. Your workers comp premium adjusts based on actual payroll at the end-of-year audit. Report seasonal payroll accurately to avoid surprises. If you significantly underreport, you’ll owe the difference plus potential penalties at audit time.
Get a Landscaping Workers Comp Quote
Comp Matters Inc. works with landscaping companies across New York, New Jersey, Connecticut, and the entire East Coast. We find competitive rates and make sure your policy fits your actual operation. Call (631) 248-2500 for a free quote.
Recent Comments