Get workers' comp insurance for landscapers
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Since 2012, WorkCompOne has helped thousands of small businesses get the coverage they need to stay in compliance and protect their employees.
It's work comp, simplified for small business. Our online platform allows top national carriers to serve all businesses – even those with less than 10 employees.
Our specialized workers' compensation insurance is designed for landscaping businesses, addressing all your unique requirements.
Accidents can happen out of the blue, but our coverage lets you focus on what you do best—providing exceptional landscaping services to your customers. Find peace of mind knowing that your business is well-protected.
Safeguard your landscaping company today.
Accidents can happen unexpectedly, even for skilled landscaping professionals. Employees face the following risks:
Workers' compensation insurance is designed to cover these specific risks by supporting medical expenses and wage losses.
A workers' compensation policy offers:
Workers' compensation insurance goes beyond fulfilling legal requirements—it shows your employees that their well-being is a priority.
Industry-specific factors influence the cost of workers' compensation insurance for landscaping businesses. These include the size of your business, the company payroll, and your company's past coverage and claims history.
Landscaping falls under the mid- to high-risk category due to the physically demanding work. Within the industry, rates might differ depending on your company’s circumstances:
Workers' compensation premiums are calculated based on the specific job functions performed by employees. Some employees may have distinct roles, while others may have multiple responsibilities. These roles are classified using work class codes. Accurate classification of employees based on their primary tasks is crucial as it significantly impacts your premium.
Some landscaping companies face the challenge of constantly changing job sites, co-workers, or contractors for each project. In such cases, general contractors must either include subcontractors under their work comp policy or make sure they provide proof of insurance before starting work. Subcontractors are generally covered under the general contractor's liability, unless they have their own workers' compensation insurance.
For landscaping businesses, workers' compensation insurance is a legal requirement in many U.S. states. Failing to have this insurance in place can result in significant fines and penalties. If your business operates in multiple states or your employees work temporarily out-of-state, you may need to purchase insurance for all the states where your employees are located, adhering to each state's laws.
Here's a step-by-step guide on how to obtain a tailored workers' compensation insurance quote for your landscaping business:
Step 1: Understanding Workers' Compensation Insurance
Workers' compensation insurance provides crucial wage replacement and medical benefits to your employees in the event of work-related injuries or accidents, such as slips, falls, or strains i.e. workers’ compensation claims. Given the nature of the landscaping industry, where employees might be exposed to risks such as operating heavy machinery, working with sharp tools, or encountering uneven terrain, having comprehensive workers' compensation coverage is vital.
Step 2: Assessing Your Business Needs
Before reaching out to insurance agencies, take some time to assess your landscaping business's specific requirements.
Compiling this information will help the insurance agency provide an accurate and tailored quote for your business.
Step 3: Complying with State Laws
Each state has its own regulations regarding workers' compensation insurance. It's crucial to familiarize yourself with your state's specific requirements and any exceptions that may apply to your landscaping business.
Remember that if your business operates in multiple states or your employees work temporarily out-of-state, you'll need to purchase insurance for all locations according to each state's laws.
Step 4: Reaching Out to Insurance Agencies
Now it's time to contact insurance companies. Consider working with an independent insurance agency that can explore multiple options and find the best quote for your landscaping business.
Provide the agency with the detailed information you've gathered, including:
Step 6: Review your insurance annually
Remember that insurance needs can change over time as your business grows and evolves. It's important to review your insurance coverage annually or whenever there are significant changes in your business operations or risks. Stay in touch with your insurance provider and keep them informed about any changes in your business to ensure you have adequate coverage at all times.
Where small businesses buy workers' compensation insurance. WorkCompOne is an online digital insurance agency changing workers’ compensation insurance. Combining best practices in technology and insurance, we’ve built a new way for businesses to secure workers’ compensation insurance online.
Founded in 2012, WorkCompOne offers coverage to small businesses nationwide through its easy online platform and partnership with leading national carriers. WorkCompOne is part of Custom Commercial Insurance Solutions.
About Custom Commercial Insurance Solutions
Custom Commercial Insurance Solutions, formerly IDoComp.com, is a digital-first independent insurance agency focused on improving direct-to-consumer commercial insurance. Incorporating innovative technology and insurance products, CCiS offers coverage to businesses of all sizes through its easy online platform, best-in-class customer service, and partnerships with leading carriers.
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© 2022 Custom Commercial Insurance Solutions, LLC. (“CCIS”) ALL RIGHTS RESERVED. (CA License #OH31762) The materials presented on this site are for general informational and educational purposes only. Any quotes or pricing information is non-binding, and the underwriting insurance company determines the policy premium following application. The policy controls the terms and conditions of any insurance issued.