Landscapers Workers’ Compensation Insurance
Protect your crews who mow, trim, plant, and build. Meet state requirements and keep projects on schedule with coverage designed for landscaping risks.
Employee Protection
Covers medical care, rehab, and a portion of wages for job‑related injuries.
Quote NowLegal Compliance
Required in CA and most states once you have employees—avoid fines & stop‑work orders.
Quote NowFinancial Security
Prevent a single accident from derailing your cash flow.
Quote NowLandscaping Risks
Mowers, trimmers, chainsaws, chippers, lifting injuries, heat illness, and more.
Learn MoreFast COIs
Same‑day certificates to keep maintenance routes and jobs moving.
Get COISeasonal Payroll
Options for seasonal crews, part‑time staff, and 1099 subs requirements.
Talk to UsWhy Workers’ Comp is Essential
- Employee Protection: Medical care, rehab, and partial wage replacement after covered injuries.
- Compliance: Required once you have employees; protects you from penalties and lawsuits.
- Business Continuity: Keep crews working and routes on schedule after incidents.
- Trust & Retention: Covered crews feel safer and stay longer.
Common Landscaping Risks Covered
- Lacerations from trimmers, edgers, and hedge clippers
- Equipment injuries from mowers, chainsaws, and wood chippers
- Sprains and strains from lifting sod, stone, and equipment
- Slips, trips, and falls on uneven terrain
- Heat stress and dehydration during summer months
- Pesticide and chemical exposure
- Vehicle incidents while driving between job sites
Tip: We’ll review your class codes (e.g., landscape gardening, tree trimming) to help avoid misclassification and manage premiums.
Who Needs Workers’ Comp?
- Lawn Care & Maintenance crews and route teams
- Tree Service / Arborists including pruning and removal
- Irrigation & Sprinkler installation and repair
- Hardscape / Design‑Build patios, pavers, retaining walls
- Landscape Construction and enhancement projects
Even if you rely on independent subs, many property managers and GCs require proof of workers’ comp. Having your policy ready helps you win more contracts.
How JSSR Helps Landscapers
- We shop multiple carriers for affordable rates
- Same‑day Certificates so routes and projects don’t stall
- Guidance on seasonal payroll and audit prep
- Options for multi‑location or expanding operations
Why Choose JSSR Insurance Agency
Local Expertise
Based in Lathrop • Serving CA & neighbors
Industry Knowledge
Landscaping class codes, safety, and loss control
Fast & Friendly
Talk to a real agent who understands your routes
Service Area
We help landscaping companies throughout California (San Joaquin County, Lathrop, Tracy, Stockton, Manteca, Modesto, San Jose, Fremont, Sacramento, Fresno, Los Angeles, San Diego) and nearby states as needed.
Frequently Asked Questions
How much does Workers’ Comp cost for landscapers?
Pricing depends on payroll, class codes (e.g., landscape gardening vs. tree pruning), experience mod, and claims history. We’ll quote multiple carriers to secure a competitive premium.
Do seasonal workers need to be covered?
Generally yes if they’re your employees. We’ll set up payroll reporting that accounts for seasonal fluctuations.
What if I use 1099 subcontractors?
Many clients require you to show proof of workers’ comp regardless. We’ll help you document subs properly and stay contract‑ready.
How fast can I get a Certificate of Insurance (COI)?
Same day in most cases once your policy is bound. We prioritize quick turnaround so routes don’t slow down.
Ready to Get Covered?
Protect your crew, meet contract requirements, and keep your schedule on track.
Call (209) 701‑6900 Book a Time
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JSSR Insurance Agency — Our Knowledge, Your Success.
Disclaimer: This page provides general information and is not a guarantee of coverage. Policy terms and availability vary by carrier and state.
