Comply with state laws
Avoid fines
Protect your employees
Protection from lawsuits
...'cause they can get hurt
Owning a landscaping business in California comes with challenges, from working with heavy equipment to handling unpredictable weather conditions. Workers' comp insurance ensures your employees are protected and your business stays compliant.
Workers' comp is mandatory in California for landscaping businesses with one or more employees. Ignoring this requirement can result in financial penalties and business restrictions. Learn more about Workers' Comp Insurance Regulations in California 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
0042 - Lawn Maintenance - No Tree Planting or Removal
0042 - Lawn Mowing Service
9016 - Park Maintenance
5201 - Concrete or Cement Work; Floors, Driveways, Yards, or Sidewalks
6218 - 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.
No, standard landscaping policies generally do not cover storm cleanup. While tree and brush removal may be included, debris removal after a storm typically requires a separate policy.
Not always. Whether your policy extends to new states depends on its terms. For short assignments, coverage might apply, but longer jobs or overnight work may require adding that state to your policy. Always check with your insurance company before accepting out-of-state work to avoid gaps in coverage.
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