by Drew Roberts, CPCU, ARM
The Florida workers compensation class code of 9102 is the primary class code used by landscapers to rate the exposure of their employees. We receive many questions on which employees should be classified to this code on the Florida workers compensation policy. The definition of the class code from NCCI states that 9102 is used primarily for employees involved in the following operations:
Insureds that perform maintenance of lawns, grounds, and gardens are assigned by analogy to Code 9102. The maintenance may involve lawn mowing, raking, application of liquid or granular fertilizer, spraying and trimming of shrubs or small trees from the ground, and thatching or aerating. If any one or all of the above operations are performed by a lawn maintenance risk classified to Code 9102, then minor and incidental landscaping operations performed by the same risk, such as the replacement of dead shrubs, the planting of a few flowers, and the placing of rock or brick as edging designs are included under Code 9102. This minor landscaping operation is distinguished from work performed by an insured at a job or location where the primary work at the job or location is landscaping.
Information on the current Florida workers compensation rates (Effective April 1st, 2009) is available in an article through that link. Please be aware that these are subject to change based on decisions of the Florida’s Insurance Commissioner and the claim data information he receives from NCCI.
Please feel free to contact us for a free copy of the complete definition for Florida workers compensation class code 9102 or any other classification that could apply to your landscaping business.