Workers' Comp for Landscaping & Lawn Care
Landscaping (NCCI class code 0042) covers lawn care, planting, hardscaping, and tree work under 25 feet. Tree work above 25 feet requires class code 0106 (Tree Pruning & Spraying), which has dramatically higher rates.
Common class codes for landscaping businesses
0042
$5.50-$13.00
Landscape Gardening & Drivers
0106
$12.00-$30.00
Tree Pruning, Spraying, Repairing — All Operations & Drivers
9102
$4.00-$10.00
Park NOC — All Employees & Drivers
Why Landscaping workers' comp is tricky
The line between landscaping (0042) and tree service (0106) is significant — climbing trees, using bucket trucks, or removing trees above 25 ft all push you into the higher-rate code.
Tips to lower your landscaping premium
- ✓ Tree work over 25 ft = class 0106 — much higher rate
- ✓ Snow plowing in winter may need separate auto endorsement
- ✓ Seasonal businesses benefit from pay-as-you-go
- ✓ Owner exclusion can save significant premium for sole-proprietor lawn care
Get a Landscaping workers' comp quote in 60 seconds
We work with carriers that actively want landscaping businesses — including specialty markets for hard-to-place accounts. Quote takes one minute.
Get My Landscaping Quote →Landscaping workers' comp by state
Rates, exemption rules, and rating bureaus for landscaping businesses vary widely. Pick your state for landscaping-specific requirements and average rates:
Alabama $1.13 Alaska $2.25 Arizona $1.17 Arkansas $0.83 California $1.45 Colorado $0.92 Connecticut $1.53 Delaware $1.39 Florida $1.42 Georgia $1.06 Hawaii $1.69 Idaho $1.02 Illinois $1.66 Indiana $0.98 Iowa $1.06 Kansas $0.99 Kentucky $1.06 Louisiana $1.59 Maine $1.17 Maryland $0.94 Massachusetts $0.94 Michigan $0.97 Minnesota $1.31 Mississippi $1.20 Missouri $1.10 Montana $1.66 Nebraska $1.10 Nevada $0.81 New Hampshire $1.04 New Jersey $1.99 New Mexico $1.39 New York $1.41 North Carolina $0.84 North Dakota $0.78 Ohio $0.74 Oklahoma $1.13 Oregon $0.93 Pennsylvania $1.27 Rhode Island $1.20 South Carolina $1.34 South Dakota $0.97 Tennessee $0.97 Texas $1.04 Utah $0.88 Vermont $1.50 Virginia $0.83 Washington $1.16 West Virginia $1.32 Wisconsin $1.13 Wyoming $1.27
More landscaping workers' comp resources
- → Full NCCI class code directory — search all class codes by industry
- → Cost calculator — estimate landscaping premium by payroll
- → EMR calculator — experience mod impact on premium
- → COI generator — same-day certificate of insurance
- → Audit dispute guide — recover overpaid premium from misclassification
- → Pay-as-you-go workers' comp — align premium with actual payroll