Comply with state laws
Avoid fines
Protect your employees
Protection from lawsuits
...'cause they can get hurt
Maintaining outdoor spaces in New York involves strenuous labor, from lifting heavy materials to using industrial mowers. Workers’ comp insurance helps cover medical expenses and lost wages when accidents happen.
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 - Lawn Maintenance - No Tree Planting or Removal
0042 - Lawn Mowing Service
8601 - Landscape Architectural Services
9102 - Park Maintenance
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 if they carry their own workers’ comp insurance. Always request a Certificate of Insurance (COI) before allowing them to begin work.
Not always. Some policies extend temporary coverage for short-term jobs, but long-term or out-of-state projects often require adding the new state to your policy. It’s always best to check with your insurance company before working outside your usual coverage area.
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