Workers' Comp Insurance for Landscaping Businesses in Michigan

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 Michigan. The Michigan workers' compensation market is governed by CAOM, and the average rate statewide is approximately $0.97 per $100 of payroll.

Michigan requirements for landscaping businesses

When required: Required for employers with one or more employees working 35+ hours/week for 13+ weeks, or 3+ employees at any time.

Sole proprietors: Sole proprietors are exempt unless they elect.

Owner / officer exclusion: Officers may be excluded.

Landscaping class codes used in Michigan

Why landscaping workers' comp is tricky in Michigan

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 Michigan 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

Landscaping workers' comp in other states

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

Other industries in Michigan

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