Workers Comp Class Code 9102 — Lawn Service & LandscapingNew York
Lawn mowing, landscaping, tree trimming, and grounds maintenance services across New York State — from NYC's parks and commercial properties to suburban residential accounts in Nassau, Suffolk, and Westchester Counties.
How Have New York Workers Comp Rates Changed Over the Last 5 Years?
Source: NYCIRB loss cost rates. Actual carrier rates may vary.
How Much Does New York Workers Comp Cost for This Class Code?
⚠️ Pre-Underwriting Estimate: This is a preliminary estimate only. Final premium can change based on underwriting results, loss history, OSHA records, and carrier approval.
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What Jobs Are Covered Under This New York Class Code?
- ▸ Landscaper
- ▸ Lawn care worker
- ▸ Groundskeeper
- ▸ Tree trimmer
- ▸ Irrigation installer
What Are the Top Injury Risks for This New York Class Code?
- ⚠ Equipment injuries from commercial mowers and string trimmers — blade contact is the leading cause of landscaping ER visits in NY
- ⚠ Heat stress during summer operations, particularly in NYC's urban heat island environment
- ⚠ Struck by debris ejected from mowers and chippers
- ⚠ Pesticide exposure from herbicide and fertilizer application
- ⚠ Back strain from heavy material handling and planting operations
What Does a Real Workers Comp Claim Look Like for This New York Class?
A Nassau County landscaper is struck in the right eye by a stone ejected from a commercial mower — corneal laceration, emergency surgery, and 6 weeks of lost wages resulted in $48,000 in workers comp costs. NY's landscaping season runs approximately April through November, creating a seasonal workforce management challenge — workers comp must cover seasonal employees, and NY's Workers Compensation Board requires continuous coverage even during the off-season if the business retains any employees.
Why Does a PEO Make Sense for New York Workers Comp in This Class?
Landscaping companies in NY — from small residential lawn care operations in Nassau County to commercial grounds maintenance contractors serving NYC's parks and corporate campuses — face a seasonal workforce challenge that standard workers comp policies handle poorly. Standard policies require a large upfront deposit based on estimated annual payroll, which is difficult for seasonal businesses. PEO group workers comp programs bill monthly on actual payroll, eliminating the deposit requirement and allowing landscaping companies to scale their coverage up and down with their seasonal workforce.
NY Rate Context
NY landscaping rates at $3.39/100 are moderate and 8% above the national NCCI average for landscaping, reflecting the equipment injury and heat stress risks of outdoor grounds maintenance work in NY's climate. The rate has increased 17% over 5 years as NYCIRB adjusts for the growing volume of landscaping claims in NY's suburban markets. Nassau and Suffolk County landscaping contractors face particularly high claim frequency due to the density of residential accounts and the volume of commercial mowing operations.