Comply with state laws
Avoid fines
Protect your employees
Protection from lawsuits
...'cause they can get hurt
In Texas, landscaping isn’t seasonal—it’s year-round under the scorching sun. From handling sharp tools to heavy equipment, the risks for your crew are high. Workers’ comp insurance covers injuries, protects your employees, and shields your business from expensive fines or lawsuits when accidents happen.
In Texas, workers’ compensation insurance is optional for landscaping companies. However, most landscaping businesses choose to carry coverage to protect employees and reduce the risks associated with workplace injuries. Landscaping companies working on government projects must provide workers’ compensation for employees involved in those jobs. Some general contractors may also require proof of coverage before subcontractors can begin work. Non-subscribers must file a DWC Form-005 annually to notify the Division of Workers’ Compensation of their non-subscriber status and report all workplace injuries or illnesses. Failure to meet these requirements could lead to penalties and additional risks. For more information, visit Workers' Compensation Insurance Texas 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
9014 - Lawn Maintenance - No Tree Planting or Removal
9014 - Lawn Mowing Service
9102 - Park Maintenance
5200 - Concrete or Cement Work; Floors, Driveways, Yards, or Sidewalks
6219 - 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.
Hardscaping falls under a separate classification (Class Code 5221). It’s important to check with your insurance company to confirm whether your workers' comp policy includes this type of work.
No, businesses that only provide lawn maintenance fall under Lawn Care (Class Code 9102), while full-service landscaping—including planting and irrigation—falls under Class Code 0042. Lawn maintenance typically has lower workers’ comp rates.
Unlike other online insta-quote systems,
here your quote is reviewed by experts
A Step-by-Step Handbook for Small Businesses - you don't want to skip this!
By entering your email, you agree to our Privacy Policy.
Arkansas
Connecticut
Florida
Georgia
Missouri
North Carolina
Oklahoma
Pennsylvania
Rhode Island
Tennessee
Texas
Virginia
See all
© 2024. All Rights Reserved | Sitemap | Terms & Conditions | Privacy Policy
5148 US-9, Howell, NJ 07731
The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
For advice tailored to your business insurance requirements, fill out our online application and speak with one of our licensed insurance professionals.
