Workers' Compensation for Landscaping Crews

Common crew injuries

Lacerations and amputations from mowers, trimmers, and hedge cutters
Strains and back injuries from lifting stone, soil, and plants
Heat illness during summer work
Falls from ladders and trucks
Eye injuries from debris
Vehicle accidents traveling between jobs

How landscaping premiums are set

Premiums are based on payroll by job classification, such as landscape gardening or tree trimming, multiplied by your state's rates and adjusted for your claims experience. Tree work is generally rated higher than lawn maintenance. Accurate payroll splits matter at audit.

Reducing injuries

Training on mower and power tool safety, including blade guards
Eye, ear, and leg protection
Water, shade, and rest breaks in heat
Team lifts and equipment for heavy materials
Seat belts and safe trailer loading

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Frequently asked questions

Do seasonal crew members need coverage?

Seasonal and part-time employees are generally covered the same as full-time employees under state workers' compensation laws.

Does workers' comp cover heat illness?

Work-related heat illness is generally compensable. Prevention programs reduce these claims.

Can I treat crew members as contractors?

Misclassifying employees as independent contractors can leave you liable for uninsured claims and penalties. Follow your state's tests.

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Last updated October 15, 2026 · How we research

Workers' compensation for landscapers

Common crew injuries

How landscaping premiums are set

Reducing injuries

Frequently asked questions

More coverage and guides