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Workers' Comp Insurance for Landscaping Businesses in Ohio

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 Ohio. The Ohio workers' compensation market is governed by BWC (state fund) — a monopolistic state fund (no private market), and the average rate statewide is approximately $0.74 per $100 of payroll.

Avg Landscaping rate in OH
$8.35
per $100 payroll
$100K payroll → annual
$8,353
estimated annual premium
Ohio bureau
BWC
Monopolistic

Ohio requirements for landscaping businesses

When required: All employers must obtain coverage through Ohio Bureau of Workers' Compensation (BWC) — monopolistic state.

Sole proprietors: Sole proprietors are exempt unless they elect to enroll with BWC.

Owner / officer exclusion: Officers and LLC members may opt out.

⚠️ Ohio is a monopolistic state

All Ohio workers' comp coverage must be purchased through the state fund (BWC (state fund)). Private workers' comp insurance is not available in Ohio, but we can help with employer's liability ("stop-gap") coverage that complements the state fund.

Landscaping class codes used in Ohio

0042 Landscape Gardening & Drivers
$3.70-$8.75
OH typical rate
0106 Tree Pruning, Spraying, Repairing — All Operations & Drivers
$8.07-$20.18
OH typical rate
9102 Park NOC — All Employees & Drivers
$2.69-$6.73
OH typical rate

Why landscaping workers' comp is tricky in Ohio

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 Ohio 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 Ohio 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 Georgia $1.06 Landscaping in North Carolina $0.84

Other industries in Ohio

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

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

More Ohio workers' comp resources