Workers Comp Class Code 0042 — Landscaping — Lawn Maintenance & Gardening
Florida NCCI Workers Comp Classification
FL NCCI Rate
$4.14
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 0042, a worker earning $800/week costs just $33.15/week in workers comp through our PEO program.
FL NCCI Rate
$4.14/$100
per $100 payroll
Risk Level
Medium
NCCI classification
Same-Day COI
Available
through PEO program
Approval Time
24–48 hrs
most industries
What Is Workers Comp Class Code 0042?
NCCI class code 0042 covers Landscaping — Lawn Maintenance & Gardening in Florida. This classification is used by workers' compensation carriers to determine premium rates based on the relative injury risk of workers in this occupation. The Florida NCCI rate for code 0042 is $4.14 per $100 of payroll, placing it in the medium-risk tier.
Covers landscaping crews doing lawn mowing, edging, trimming, planting, mulching, and general yard maintenance. One of the most common class codes in Florida — the state's year-round growing season means landscaping companies run full crews 52 weeks a year. Heat illness is the #1 risk.
Code 0042 is a non-construction classification. Florida requires workers' compensation for non-construction employers with 4 or more employees, though coverage is strongly recommended for businesses of any size to protect against catastrophic injury costs.
What Does This Rate Mean in Real Dollars?
At $5.47 per $100, a landscaper earning $600/week costs about $32.82/week in workers comp. For a 5-man landscaping crew, that's roughly $164/week. Landscaping companies often have 10-20 workers in peak season and 5-8 in slow season — PEO adjusts automatically.
Rate History — Code 0042
5-Year Rate Trend
Code 0042 — Florida NCCI rates
Source: Florida NCCI rate filings 2020–2024
Florida NCCI rates for code 0042 have decreased from $6.20 to $5.47 over the past 5 years — a positive trend for employers.
Why PEO Makes Sense for Code 0042
No deposit. No audit. Same-day COI.
Landscaping companies in Florida often have seasonal fluctuations and a mix of full-time and part-time workers. PEO handles all of it — you pay comp based on actual weekly payroll, add or remove workers anytime, and get COIs for every HOA, property management company, or commercial client that requires proof of coverage.
No Deposit
Pay as you go each week
No Audit
Premium based on actual payroll
Same-Day COI
Instant certificate issuance
📋 Real-World Example
A landscaping company in Collier County has 8 workers maintaining HOA communities. A worker is struck by a rock ejected from a riding mower and loses sight in one eye. Workers comp covers the emergency surgery, ongoing ophthalmology care, and permanent partial disability. The HOA required the COI before the contract was signed.
Common Job Titles Under Code 0042
Top Workers Comp Risks for Code 0042
The NCCI rate for this classification reflects the frequency and severity of workers' compensation claims historically filed by workers in this occupation. The primary risks include:
Florida Workers Comp Requirements for Code 0042
Florida Statute Chapter 440 governs workers' compensation requirements. For non-construction employers classified under code 0042, coverage is required when you have 4 or more employees. However, even with fewer than 4 employees, a serious workplace injury could result in significant personal liability.
The Florida Division of Workers' Compensation conducts random job site inspections and can issue an immediate stop-work order if coverage is not current. The penalty is equal to twice the amount of premium that should have been paid, plus $1,000 per day per employee while uninsured.
Frequently Asked Questions — Code 0042
What is the workers comp rate for class code 0042 in Florida?
The Florida NCCI rate for class code 0042 (Landscaping — Lawn Maintenance & Gardening) is $4.14 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $6,216.
Can I get same-day workers comp coverage for class code 0042?
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 0042 can be approved and receive a Certificate of Insurance (COI) within 24–48 hours. Same-day COI issuance is available in most cases once your application is complete.
Is class code 0042 considered high-risk in Florida?
Code 0042 is classified as medium-risk based on its NCCI rate of $4.14 per $100 of payroll. This is a moderate rate that most carriers will cover, though our PEO pay-as-you-go program typically offers better terms than a traditional standalone policy.
What is the difference between a PEO and a traditional workers comp policy for code 0042?
A traditional policy for code 0042 requires an upfront deposit (typically 25–35% of annual premium), a year-end audit, and a minimum payroll requirement. Our PEO pay-as-you-go program calculates premium on actual payroll each cycle — no deposit, no audit, no minimum. For a business with $150,000 in annual payroll under code 0042, the annual cost would be approximately $6,216.
How do I switch to a PEO program if I already have a workers comp policy for code 0042?
You can switch at any time — you don't need to wait for your current policy to expire. We handle the transition and coordinate with your current carrier to avoid any coverage gaps. Most clients are enrolled and covered within 24–48 hours of submitting their application.
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