Comply with state laws
Avoid fines
Protect your employees
Protection from lawsuits
...'cause they can get hurt
From trimming trees to paving walkways, landscapers in Alabama work with high-powered tools and heavy machinery. Workers' comp insurance helps cover medical expenses and lost wages if an accident occurs.
Alabama requires landscaping businesses with five employees to carry workers' compensation insurance. Not meeting this requirement can result in penalties like fines and stop-work orders. Learn more about Workers' Comp Work in Alabama here.
Workers' comp insurance provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.
If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is provided for until they return to work.
Since the company had an active workers' comp policy, they are not responsible for paying the medical bills.
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
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.
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. It can even help keep your costs down!
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.
Not necessarily. Coverage for work in other states depends on your policy. For short-term or single-day jobs, your policy might extend coverage, but overnight or long-term work may require adding the state to your policy. Always notify your insurance company before taking on work outside Alabama to confirm your coverage.
Yes, you can subcontract work for tasks outside your usual scope. However, it’s important to make sure that the subcontractor carries their own workers’ compensation insurance. Always collect a Certificate of Insurance (COI) from the subcontractor before they begin work to verify their coverage.
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