Workers’ Comp for Landscapers in Michigan

Name: Workers' Compensation Insurance for Landscapers in Michigan
Brand: Kickstand Insurance
Rating: 5 (37 reviews)

Policies for gardeners, lawn care and snow removal companies

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Why do Landscapers in Michigan need
Workers' Compensation Insurance?

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 Michigan work with high-powered tools and heavy machinery. Workers' comp insurance helps cover medical expenses and lost wages if an accident occurs.

Common Landscaping injuries

Back strains – From repetitive lifting and bending
Hearing issues – Due to noisy lawn equipment
Falls – On wet surfaces or steep slopes
Burns – From chemicals or overheated tools
Heat stroke – From prolonged sun exposure

Workers' Comp for Landscapers in Michigan: Legal Requirements

Landscaping businesses in Michigan that employ one or more workers are legally required to carry workers' compensation insurance. Businesses that do not comply may face steep fines and enforced shutdowns. Learn more about Michigan Workers' Compensation Requirements here.

Common types of Landscaping workers we can insure in Michigan

Lawn Mowing Service

Tree Removal

Turf or Sod Installation

Don't see your business classification?
‍We're here to help. Call 866-338-8823.

What type of injuries does
Workers' Comp Insurance cover?

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 an active Landscaper workers' comp policy, they do not need to pay anything towards the bills.

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.

What will Landscaping Workers' Comp Insurance pay for?

Medical expenses
Rehab and therapy costs
A percentage of lost wages
Disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Landscapers in Michigan cost per month?

The average landscaping business in the U.S. spends roughly $142 per month per worker on workers’ comp insurance. Exact costs depend on industry classification, payroll size, and safety history. For more information about landscaping workers' compensation costs, check out our detailed guide: Workers’ Comp Rates for Landscapers.

Disclaimer: Premium has been derived by combining ZipRecruiter national payroll averages per industry with average rates of a national carrier partner. Figures are for illustrative purposes only and do not include taxes or additional fees.

What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry in Michigan.

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.

Common Classifications for Michigan Landscaping

For more details on class codes, visit this detailed guide on Landscaping Workers’ Comp Class Codes.

0042 - Landscape Gardening Contractor

8601 - Landscaper Architectural Services

9015 - Park 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

Don't see your business classification?
We're here to help. Call 866-338-8823.

How to get Workers' Comp Insurance in Michigan

Getting workers' comp insurance in Michigan is a straightforward process. Business owners can purchase coverage through any licensed insurance agent operating within the state.

However, not all agents offer workers' comp insurance, so it's essential to compare potential policies to ensure you're getting the right coverage for your Landscaping business.

Kickstand Insurance offers a streamlined process to help you compare quotes and choose a policy that fits your business needs. Start by filling out our Instant Quote form for a fast estimate.

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Ensure your company is fully protected. Get a hassle-free workers' comp quote in just 10 minutes with Kickstand Insurance and protect your business, your employees, and your bottom line.

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Helpful tips to save money

Choosing landscaping insurance services may sound simple, but doing it wrong can be very costly.

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.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! Our Landscaper Workers’ Compensation Audit Checklist can help.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A Landscaper Workers’ Compensation Audit Checklist can help.

For more strategies, check out these 6 tips on how to reduce your landscaping workers' comp costs.

FAQ's on Workers' Comp for Landscapers in Michigan

If I take a job in another state, will my workers' comp policy cover it?

Maybe. Some policies allow limited coverage for short-term work in another state, but for long-term jobs, you may need additional coverage. Confirm with your insurance company before proceeding.

I build decks and install pavers—does my landscaping workers' comp policy cover this?

Likely not. Hardscaping is classified under 5221, which is separate from standard landscaping insurance. Speak with your insurance company to clarify coverage.

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Learn more about Landscaping Insurance

a landscaping contractor installing sods for new lawn

Landscaping Workers’ Comp Class Codes: A Guide

6 Tips to Reduce Your Landscaping Workers’ Comp Costs

Landscaping Workers’ Comp Rates 2025

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

Document with workers' comp for landscaper insurance quote surrounded by insurance icons

Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

Avoid surprise bills at audit
Make sure all your employees are properly covered
Protect yourself from lawsuits

What do we check?

Business categorized correctly
Employees job roles
Special discount opportunities

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The Ultimate Guide to Workers' Comp Insurance

A Step-by-Step Handbook for Small Businesses - you don't want to skip this!

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The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
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