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Workers' Comp Insurance for Landscaping Businesses in Delaware

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 in Delaware. The Delaware workers' compensation market is governed by DCRB, and the average rate statewide is approximately $1.39 per $100 of payroll.

Avg Landscaping rate in DE
$15.69
per $100 payroll
$100K payroll → annual
$15,690
estimated annual premium
Delaware bureau
DCRB
Private market

Delaware requirements for landscaping businesses

When required: Required for any employer with one or more employees.

Sole proprietors: Sole proprietors are exempt unless they elect coverage.

Owner / officer exclusion: Officers/LLC members may be excluded with rejection form.

Landscaping class codes used in Delaware

0042 Landscape Gardening & Drivers
$6.95-$16.43
DE typical rate
0106 Tree Pruning, Spraying, Repairing — All Operations & Drivers
$15.16-$37.91
DE typical rate
9102 Park NOC — All Employees & Drivers
$5.05-$12.64
DE typical rate

Why landscaping workers' comp is tricky in Delaware

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 for Delaware landscaping businesses

  • ✓ 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

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Landscaping workers' comp in other states

Rates and requirements for landscaping businesses vary widely by state. Compare Delaware to other major markets:

Landscaping in California $1.45 Landscaping in Texas $1.04 Landscaping in Florida $1.42 Landscaping in New York $1.41 Landscaping in Pennsylvania $1.27 Landscaping in Illinois $1.66 Landscaping in Ohio $0.74 Landscaping in Georgia $1.06

Other industries in Delaware

Delaware workers' comp rates and requirements for other common industries:

Construction in DE 9 class codes Roofing in DE 1 class code Plumbing in DE 3 class codes Electrical in DE 3 class codes HVAC in DE 2 class codes Painting in DE 3 class codes Restaurants in DE 4 class codes Retail in DE 5 class codes

More Delaware workers' comp resources