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.