How much does workers' comp cost for a solo landscaper?
Workers' comp insurance for a solo landscaper costs a real price. The price depends on your state and the kind of work you do. Your quote will show the real price for your business.
For example, if you mow lawns, trim hedges, or plant trees, the insurance company looks at your work and sets a price. The more risky the job, the higher the price might be.
By default, the policy does NOT cover you, the owner. If you want to be covered, you can choose to pay more. This choice is called an owner inclusion election.
Get your quote in minutes to see the real price for your business.
What makes the price change for a solo landscaper?
The price changes based on a few things. Here's what affects it:
- Your state: Each state has its own rules and prices. The quote will show the price for your state.
- The work you do: The insurance company looks at the kind of work you do. For example, working with heavy equipment or on ladders might cost more than just mowing grass.
- Owner inclusion election: If you choose to be covered, the price goes up. This choice is optional and costs extra.
Your quote will tell you the real price based on these things.
What is a minimum-premium policy?
Some insurance policies are called minimum-premium policies. These are for businesses with no employees. A solo landscaper is a good example. These policies are just to prove that your business has insurance. That helps you hand over a certificate when someone asks for it.
These policies do NOT cover you, the owner, by default. If you want to be covered, you can choose to pay more. This choice is called an owner inclusion election.
Minimum-premium policies are available in most states. Your quote will tell you if it's available in your state.
How does your quote work?
To get your quote, you answer a few simple questions about your business. You tell the insurance company where you live and what kind of work you do. Based on that, the insurance company gives you a real price for your business.
The quote shows the price for your state and the work you do. It also shows if you can choose to be covered as the owner. If you choose to be covered, the price goes up.
Start your quote to see the real price for your business.
What if I need a certificate of insurance?
Many people ask for a certificate of insurance, or COI. It proves your business has workers' comp insurance. A minimum-premium policy is perfect for this. It shows the insurance exists, even if there are no employees.
A COI shows the insurance company's name, the policy number, the dates, and the coverage types. But it does NOT show the full policy terms or who is covered. The real policy has more details.
If you need a COI, getting a minimum-premium policy is a quick and easy way to get one. Your quote will show you the price and tell you if it's available in your state.
What if I want to be covered as the owner?
By default, the policy does NOT cover you, the owner. But you can choose to be covered. This choice is called an owner inclusion election. It costs extra, but it means you are covered if you get hurt at work.
If you want to be covered, you can choose this option when you get your quote. The price will go up, but it's your choice. This is important if you do the work yourself and want protection for your own injuries.
Remember, this choice is optional. You can choose to pay more to be covered, or you can keep the lower price and not be covered. It's up to you.
What happens after I get my quote?
After you get your quote, you can choose to buy the policy. The insurance company will send you the policy documents and a certificate of insurance.
If you need to get a new quote later, you can start the quote process again. Just answer the questions again to see the latest price.
Start your quote to see the real price for your business.
