Comply with state laws
Avoid fines
Protect your employees
Protection from lawsuits
...'cause they can get hurt
Landscaping in Louisiana means working in hot, humid conditions year-round, often handling heavy equipment and sharp tools. Workers' comp insurance covers medical bills and lost wages if an employee gets injured, keeping your business compliant with Louisiana state law.
Under Louisiana’s workers’ compensation guidelines, all landscaping companies must provide coverage for every employee. There are no exemptions for part-time or seasonal workers. For more details, visit Louisiana Workers' Compensation Guidelines 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.
Yes, but your classification is different. Lawn Care (Class Code 9102) applies to businesses that strictly provide mowing and maintenance, while Landscaping (Class Code 0042) is for companies handling tasks like planting, hardscaping, and irrigation. Strictly lawn care businesses often benefit from lower workers’ comp rates.
No, storm cleanup is typically not covered under standard landscaping policies. Routine brush and tree removal might be included, but storm-related services require separate coverage.
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