Workers' Comp for Landscapers
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Why do landscaping businesses need workers' comp insurance?
Landscaping professionals may be easily injured in their workplaces and should carry appropriate insurance coverage in case of accidents. Workers’ compensation, sometimes called workers’ comp or workman’s comp, can help cover medical fees and lost wages for landscapers who sustain work-related injuries.
Not only is workers’ comp coverage legally required for almost all landscaping businesses with employees‚ but it also helps provide protection for the business by reducing its financial risk. For every dollar spent on a workers’ comp claim, $5 are spent in indirect costs—such as lost productivity, hiring and retraining landscaping workers, and replacing or repairing damaged equipment.
The most common injuries experienced by landscapers are:
– Transportation-related injuries
– Heat and cold stress
– Cuts and lacerations
– Workplace falls
– Soreness and pain
Learn more about how workers’ compensation insurance can help protect landscaping small businesses.
Over 80% of small businesses overpay for workers' comp coverage.
What does workers' compensation insurance cover?
Workers’ compensation insurance helps provide medical, rehabilitation, and disability benefits for landscaping employees who become injured as a direct result of their job. Workers’ comp may also pay death benefits to an employee’s dependents if the landscaper is killed in a work-related incident.
In addition to helping landscapers and their families, workers’ compensation insurance can also help protect landscaping business owners. Workers’ compensation helps protect landscaping businesses from liability for employees’ workplace injuries, and it helps keep employers from having to pay directly out of pocket for those injuries. This coverage may reduce the risk of a significant financial loss if a landscaping employee is harmed while performing work duties.
Depending on the laws in your state, to be considered compensable and therefore eligible for workers’ compensation, landscaping injuries must:
have happened to a landscaping employee (not a vendor or independent contractor),
be the result of a landscaping workplace injury or illness during employment, and
cause impairment and/or lost wages.
What are relevant types of class codes?
When you’re ready to start your 3-minute quote, you’ll need to know your landscaping business’s class code.
A class code is assigned by the National Council of Compensation Insurance (NCCI) or by state agencies—and is created based on the activities and risk level the work requires.
There are many different workers’ comp class codes within the landscaping industry. Below are a few of the most common class codes in the industry.