Do Landscaping Contractors Need Workers’ Comp Insurance?
- Nate Jones, CPCU, ARM, CLCS, AU
- 7 days ago
- 2 min read
Landscaping is physically demanding work that exposes employees to risks such as cuts, falls, heat exhaustion, and equipment accidents. Because of these hazards, workers’ compensation insurance is a critical consideration for landscaping contractors. But do you actually need it, and what does it cover? This guide answers those questions and shows how to get a tailored quote from Wexford Insurance.
Why Workers’ Comp Insurance Matters
Workers’ compensation insurance protects both employees and employers by covering:
Lost wages while an employee recovers
Legal defense costs if an employee files a claim
Even minor injuries can result in significant costs, making workers’ comp essential for protecting your business’s finances and reputation.
Do Landscaping Contractors Legally Need Workers’ Comp?
In most states, any business with employees is required to carry workers’ compensation insurance. The exact rules depend on:
Number of employees
State-specific labor laws
Whether employees are full-time, part-time, or seasonal
Some states may exempt sole proprietors or independent contractors, but it’s important to verify your state’s requirements to avoid fines, penalties, or legal exposure.
Benefits of Workers’ Comp Insurance for Landscaping Contractors
Even when not strictly required, workers’ comp insurance offers key advantages:
Financial protection – Covers medical bills and lost wages for injured employees
Legal compliance – Helps you meet state laws and client contract requirements
Improved credibility – Demonstrates professionalism and responsibility to clients
Risk management – Reduces the potential for costly lawsuits
Landscaping businesses with multiple employees or heavy equipment exposure are particularly vulnerable, making workers’ comp an essential part of your insurance strategy.
How to Get Workers’ Comp Coverage
Assess your workforce: Number of employees, job duties, and seasonal staff
Determine state requirements: Check local laws and exemptions
Document safety practices: Training programs and protective equipment can help reduce premiums
Work with a specialist broker: Wexford Insurance helps landscaping contractors secure the right coverage at competitive rates
With the right guidance, you can get coverage quickly and ensure your business remains protected against workplace injuries.
