Workers' Comp Insurance for Landscaping Businesses in Wyoming
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 Wyoming. The Wyoming workers' compensation market is governed by WSD (state fund) — a monopolistic state fund (no private market), and the average rate statewide is approximately $1.27 per $100 of payroll.
Wyoming requirements for landscaping businesses
When required: All employers in 'extra-hazardous' industries must obtain coverage through Wyoming Workers' Safety & Compensation Division — monopolistic for those industries.
Sole proprietors: Optional for sole proprietors.
Owner / officer exclusion: Officers may be excluded.
⚠️ Wyoming is a monopolistic state
All Wyoming workers' comp coverage must be purchased through the state fund (WSD (state fund)). Private workers' comp insurance is not available in Wyoming, but we can help with employer's liability ("stop-gap") coverage that complements the state fund.
Landscaping class codes used in Wyoming
Why landscaping workers' comp is tricky in Wyoming
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 Wyoming 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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Get My Quote →Landscaping workers' comp in other states
Rates and requirements for landscaping businesses vary widely by state. Compare Wyoming to other major markets:
Other industries in Wyoming
Wyoming workers' comp rates and requirements for other common industries:
More Wyoming workers' comp resources
- → Wyoming 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