Workers' Comp Insurance for Landscaping Businesses in North Dakota
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 North Dakota. The North Dakota workers' compensation market is governed by WSI (state fund) — a monopolistic state fund (no private market), and the average rate statewide is approximately $0.78 per $100 of payroll.
North Dakota requirements for landscaping businesses
When required: All employers must obtain coverage from Workforce Safety & Insurance (WSI) — the state monopolistic fund.
Sole proprietors: Sole proprietors are exempt unless they elect.
Owner / officer exclusion: Officers and LLC members may be excluded.
⚠️ North Dakota is a monopolistic state
All North Dakota workers' comp coverage must be purchased through the state fund (WSI (state fund)). Private workers' comp insurance is not available in North Dakota, but we can help with employer's liability ("stop-gap") coverage that complements the state fund.
Landscaping class codes used in North Dakota
Why landscaping workers' comp is tricky in North Dakota
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 North Dakota 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
Get a North Dakota landscaping workers' comp quote in 60 seconds
We're licensed in North Dakota and work with carriers that actively want landscaping businesses accounts. Quote takes one minute.
Get My Quote →Landscaping workers' comp in other states
Rates and requirements for landscaping businesses vary widely by state. Compare North Dakota to other major markets:
Other industries in North Dakota
North Dakota workers' comp rates and requirements for other common industries:
More North Dakota workers' comp resources
- → North Dakota workers' comp overview — full state requirements, exemptions, average rates
- → Landscaping workers' comp (all states) — industry deep-dive
- → Cost calculator — estimate annual premium by class code
- → EMR calculator — experience modification rating
- → COI generator — same-day certificate of insurance
- → Workers' comp audit disputes — recover overpaid premium
- → 1099 vs. employee classification — avoid back-premium penalties