Comply with state laws
Avoid fines
Protect your employees
Protection from lawsuits
...'cause they can get hurt
Accidents happen. Having a landscaper's workers’ comp insurance plan not only gives workers peace of mind in the event of bodily injuries, but it also protects your business.
Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.
If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.
Since the company had a workers' comp policy, they do not need to pay anything towards the bills.
The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.
The rate is based on the level of risk for that job description.
Premiums are primarily calculated by using your payroll numbers and your NCCI class code.
For more details on class codes, visit this detailed guide on landscaping workers’ comp class codes.
0042 - Landscape Gardening Contractor
0042 - Turf or Sod Installation
9102 - Park or Lawn Maintenance
9102 - Lawn Maintenance - No Tree Planting or Removal
9102 - Lawn Mowing Service
5221 - Concrete or Cement Work--Floors, Driveways, Yards, or Sidewalks
6217 - Landscaping With Tree Removal or Excavation
Here’s how to save money:
Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.
Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.
Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved.
Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.
For more strategies, check out these 6 tips on how to reduce your landscaping workers’ comp costs.
We usually issue certificates 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.
No. If your operation is a “mow and blow,” you would be “Lawn Care/Lawn Maintenance” (class code 9102) and not “Landscape Gardening Contractor” (class code 0042). The latter is more appropriate for true landscaping, such as planting trees, creating flower beds, and doing other work that is typically associated with those kinds of services.
Always check with your insurance company about jobs in different states, particularly for overnight stays. Your policy might not extend to work outside its original state coverage. While single-day jobs could be less problematic, notifying your insurer is crucial for longer jobs to make sure you are properly covered.
Yes, you can subcontract work for services you don't provide. However, you need to verify that the subcontractor has their own workers' compensation insurance. Make sure to obtain a Certificate of Insurance from the subcontractor before work starts to confirm their coverage.
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