Costs Rise for Landscapers With Wrong Work Comp Codes!!

Workers CompLandscaping Insurance
Written By Sean Leigh

There are 600 different classification codes for employees and each has a specific rate.  Many states allow a business to use multiple classification codes; your employees who fulfill clerical duties will have a substantially lower rate than those out on jobsites. 

  • Class code 9102 is used for landscape maintenance employees.

  • Class code 0042 is used for landscape installation employees.

  • Class Code 5183 is used for employees that engage in sprinkler repair and installation services in a yard or garden.

  • Class Code 0005 is used for employees that work in a nursery or related division of a landscape business.

It is common for lawn maintenance employees to pay a double rate when misclassified in the installation code. Ask your insurance agent for copies of the official descriptions for those used in your policy—and verify that they are correctly assigned.

Sean Leigh

Sean joined Professional Insurors in 2010 as a Commercial Risk Advisor. He holds designations as a Commercial Lines Coverage Specialist (CLCS) and a Certified Work Comp Advisor (CWCA). Sean has been in the Risk Management business since graduating from OSU.

http://www.pi-ins.com/sean-leigh
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