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Workers' Comp Insurance for Landscaping Businesses in Washington

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 Washington. The Washington workers' compensation market is governed by L&I (state fund) — a monopolistic state fund (no private market), and the average rate statewide is approximately $1.16 per $100 of payroll.

Avg Landscaping rate in WA
$13.09
per $100 payroll
$100K payroll → annual
$13,094
estimated annual premium
Washington bureau
L&I
Monopolistic

Washington requirements for landscaping businesses

When required: All employers must obtain coverage through Washington Department of Labor & Industries (L&I) — monopolistic state.

Sole proprietors: Sole proprietors are exempt unless they elect to enroll with L&I.

Owner / officer exclusion: Officers and LLC members may be excluded.

⚠️ Washington is a monopolistic state

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

Landscaping class codes used in Washington

0042 Landscape Gardening & Drivers
$5.80-$13.71
WA typical rate
0106 Tree Pruning, Spraying, Repairing — All Operations & Drivers
$12.65-$31.64
WA typical rate
9102 Park NOC — All Employees & Drivers
$4.22-$10.55
WA typical rate

Why landscaping workers' comp is tricky in Washington

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 Washington 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 Washington 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 Washington

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

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

More Washington workers' comp resources