Florida Workers' Compensation for Landscape & Tree Contractors
Florida's 4-employee threshold, exemptions, and why undercoverage is the #1 audit problem we see.
Run a tree service or take on trimming jobs? Our tree trimmer insurance guide explains $0 Down® liability built for crews who work at height.
Get a free $0 Down® indication
Simple monthly payments. High-hazard appetite for landscapers and tree trimmers in all 50 states. An indication is not a binder.
Tree crews: see $0 Down® tree trimmer liability.
Get a Free IndicationFlorida statute 440 requires workers' comp once a non-construction landscape business hits 4 employees (1 if you do any construction-classified work, including hardscape).
Class Codes That Matter
- 0042 — Landscape Gardening
- 0106 — Tree Pruning, Spraying, Repairing
- 5183 — Plumbing/Irrigation under hardscape
- 9102 — Park or Cemetery NOC
Misclassification is the leading cause of audit balance-due bills. A $40,000 tree-trim payroll booked under 0042 instead of 0106 will trigger a five-figure correction.
Exemptions
Corporate officers and LLC members can file an exemption with the Florida Division of Workers' Compensation, but the exemption does not apply to construction-classified work above the 1-employee threshold.
Average Rates (2025)
- 0042: ~$5.50 per $100 payroll
- 0106: ~$13.80 per $100 payroll
Get apples-to-apples comp quotes from multiple Florida carriers — request yours now.
Working around trees? Read our guide to tree trimmer insurance, or get a free $0 Down® indication in a couple of minutes.
Get a free $0 Down® indication
Simple monthly payments. High-hazard appetite for landscapers and tree trimmers in all 50 states. An indication is not a binder.
Tree crews: see $0 Down® tree trimmer liability.
Get a Free Indication$0 Down® liability insurance for landscapers and tree trimmers.
Designed to protect your reputation. Landscapers and tree trimmers in all 50 states. One short form.