Workers' Comp Insurance for Landscapers
Landscaping is one of the highest-risk industries for workplace injuries. Workers' comp protects your crew and your business.
Get Your Free QuoteWhat Does Workers' Comp Cover?
Medical Expenses
Hospital visits, surgery, physical therapy, and prescriptions for work-related injuries.
Lost Wages
Partial wage replacement while your employee recovers and can't work.
Disability Benefits
Long-term payments if an injury causes permanent partial or total disability.
Death Benefits
Financial support for the family of an employee who dies from a work-related injury.
Common Landscaping Injuries
Landscaping ranks among the top 10 most dangerous occupations. Common workers' comp claims include:
- ●Back injuries from lifting heavy equipment and materials
- ●Lacerations from mower blades, chainsaws, and hedge trimmers
- ●Heat stroke and dehydration during summer months
- ●Falls from ladders during tree trimming
- ●Eye injuries from flying debris
- ●Repetitive stress injuries (wrists, shoulders, knees)
- ●Insect stings and allergic reactions
Do You Need Workers' Comp?
In most states, workers' comp is required by law as soon as you hire your first employee. Requirements vary by state:
Required with 1+ employees
CA, NY, IL, PA, OH, NJ, MA, and most other states
Required with 3-5+ employees
FL (4+), GA (3+), NC (3+), SC (4+), and select states
Special rules
TX (optional but recommended), AL (5+), MS (5+)
Even if your state doesn't require it, many general contractors and commercial clients will require proof of workers' comp before hiring you as a subcontractor.
How Much Does It Cost?
Workers' comp for landscapers typically costs $150–$400/month depending on payroll size and state. Landscaping carries a higher classification code rate due to injury risk.
How it's calculated: Rate per $100 of payroll × total annual payroll ÷ 12. Landscaping class codes (NCCI 0042) typically run $5–$12 per $100 of payroll depending on your state and experience modifier.
Protect Your Crew. Protect Your Business.
Get workers' comp and GL quoted together — we'll find you the best rate across multiple A-rated carriers.
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