Medical Treatment
Necessary care for covered injuries or illnesses, including approved treatment and prescriptions.
Landscaping Business Coverage
Workers’ Compensation Insurance for Landscaping Businesses
Protect the people behind every beautiful landscape.
Explore coverage for eligible employees’ work-related injuries and illnesses, with protection that reflects your team and the services you provide.
Coverage for
your crew
your crew
What Is Workers’ Compensation Insurance?
Workers’ compensation provides benefits for eligible employees after a covered work-related injury or illness. Benefits and requirements vary by state.
For landscaping businesses, it addresses employee injury exposures associated with physical work, machinery, material handling, and outdoor jobsites.
What Benefits Can Coverage Provide?
Partial Wage Replacement
Benefits replacing part of eligible earnings during qualifying time away from work.
Recovery & Return-to-Work Support
Approved treatment, rehabilitation, and applicable support during recovery.
Permanent Disability Benefits
Benefits for qualifying lasting impairment resulting from a covered workplace injury.
Death Benefits
Benefits for eligible dependents and burial expenses after a covered work-related death.
Benefits and eligibility depend on applicable state law.
Workplace Risks Landscaping Teams Face
Lifting & Material Handling
Slips, Trips & Falls
Tools & Machinery
Outdoor Conditions
Chemical Exposure
These examples describe potential exposures. Eligibility for benefits depends on the facts and applicable law.
Coverage That Reflects Your Operations
Describe all employee duties when requesting a quote.
Lawn Care
Landscape Installation
Irrigation
Hardscaping
Tree Services
Grounds Maintenance
Chemical Application
Snow & Ice Management
Include seasonal workers, occasional services, subcontractor arrangements, and work across state lines.
Why Review Your Coverage?
Understand Your Responsibilities
Review state requirements and employer obligations for your operating locations.
Prepare for Workforce Changes
Update your policy information as your team, payroll, or services change.
Support Contract Requirements
Review client and project requirements for evidence of workers’ compensation coverage.
Workers’ Comp vs. General Liability
Workers’ Compensation
Statutory benefits for eligible employees’ covered work-related injuries and illnesses.
General Liability
Certain third-party bodily injury and property damage claims.
What Affects Your Premium?
- Payroll
- Employee duties and classifications
- Operating locations
- Claims experience
A payroll audit may result in an additional premium or credit. Keep payroll records, duty descriptions, and relevant subcontractor insurance documentation organized.
Frequently Asked Questions
Do landscaping businesses need workers’ compensation?
Many employers must carry coverage, but requirements and exemptions vary by state, workforce, and business structure. Review the rules for your operating locations.
Are seasonal employees covered?
Part-time and seasonal employees may need to be included. Their employment schedule does not automatically remove your coverage obligations.
Can owners obtain coverage?
Owner inclusion, exclusion, and eligibility depend on state law and business structure. Confirm whether you are included before assuming your own workplace injuries are covered.
Are subcontractors automatically covered?
No. Coverage depends on the working relationship, applicable law, and policy arrangements. Calling someone an independent contractor or paying them through a 1099 does not, by itself, determine their status.
Does it replace an employee’s full salary?
Wage benefits generally replace only part of eligible earnings. State law determines payment limits, waiting periods, and other eligibility conditions.
What should I do if an employee is injured?
Arrange appropriate medical attention, follow emergency procedures when necessary, and promptly report the incident through your insurer’s process. Follow applicable state reporting and employee notice requirements.
Protect Your Team as Your Business Grows.
Review coverage that reflects your people, payroll, and landscaping services.
Get a Workers’ Compensation QuoteCoverage, benefits, eligibility, and employer obligations depend on applicable state law and policy terms. Examples do not guarantee coverage.