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Florida Workers' Comp Insurance for Landscaping and Lawn Care

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

Policies for Gardeners, Landscaping and Lawn Care Companies

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Why do Landscapers in Florida need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Landscaping in Florida means year-round work—no seasonal downtime due to warm weather and regular irrigation needs. That mean your workers can hurt themselves every day of the year.

Workers' comp for landscapers protects your employees if they’re injured on the job and shields your business from costly fines and penalties.

Common Landscaping injuries

Muscle strains – from lifting heavy objects or repetitive tasks such as raking or digging
Hearing damage – due to exposure to loud machinery like lawnmowers and trimmers
Slips and falls – resulting from uneven terrain, wet areas, or incorrect ladder usage
Burns – from handling chemicals such as pesticides or accidental contact with electrical wires
Heat exhaustion – from prolonged exposure to high temperatures and humidity without adequate rest
Lacerations – caused by sharp tools like shears or chainsaws

Workers' Comp for Landscapers in Florida: Legal Requirements

Landscaping businesses in Florida are required by law to carry workers' compensation insurance if they have even one employee. Failure to provide proper coverage can result in severe penalties, including stop-work orders and fines.

Learn more about Florida Workers' Compensation Rules here.

Common types of Landscaping workers we can insure in Florida

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 Landscaping and Lawn Care 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 Florida cost per month?

The average cost of workers' compensation insurance for landscaping businesses in Florida is $4.81 per $100 of payroll, which translates to approximately $152 per month per employee.

However, this rate can vary significantly depending on the type of work your employees do and your company’s history of previous claims. For more detailed information on how workers' compensation rates are determined for landscapers, including factors that could influence your costs, check out our guide: Workers’ Comp Rates for Landscapers.

What's the cost based on?

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

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 Florida Landscaping

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

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

How to get Workers' Comp Insurance in Florida

Getting workers' comp insurance in Florida 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.

Get an Instant Quote Today!

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 and lawn care 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 Landscaping and Lawn Care 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 Landscaping and Lawn Care 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 Florida

I do hardscaping using pavers and build retaining walls—will that fall under my landscaping workers' comp policy?

It depends. Hardscaping falls under Class Code 5221, so it’s important to inform your insurance company to ensure proper coverage.

Is storm cleanup covered under my landscaping workers’ comp policy?

No, storm cleanup is generally not covered under standard landscaping insurance policies. Tree, bush, and brush removal is included, but storm-related debris cleanup would require a separate policy.

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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 Landscaping and Lawn Care 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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