Indiana Landscaping Workers Comp Rates (2026)
The published Indiana loss cost for landscaping workers comp, class 0042 (Landscape Gardening and Drivers), is $1.541 per $100 of payroll (effective January 1, 2026). Carriers multiply it by their own filed multiplier, so a typical premium is about $2.31.
A loss cost covers expected claims only. Each carrier files its own multiplier for expenses; in the states that publish the full list, the median is about 1.5, which is what the typical premium here uses. Your quote can be lower or higher. Source.
Indiana class code for landscaping
- 0042: Landscape Gardening & Drivers
- 0106 (Tree Pruning, Spraying & Repairing)
- 6217 (Excavation NOC)
Landscaping carries equipment, lifting, heat and pesticide exposure risks. Tree pruning and trimming is a separate class (0106).
What comp costs per landscaper in Indiana
The Bureau of Labor Statistics counts 19,260 landscaping and groundskeeping workers on payrolls in Indiana (May 2025), the 17th largest workforce among the 50 states and DC. The median wage is $18.30 an hour, 3% below the US median of $18.82.
Landscaping and groundskeeping workers make up about the same share of Indiana jobs as they do nationally (location quotient 0.98).
At a typical Indiana premium of about $2.31 per $100 of payroll (the published loss cost of $1.54 for class 0042 times a 1.5 carrier multiplier), comp on one worker at that wage costs about $0.42 for every hour worked, or $879 a year full time. A 3-person crew comes to roughly $2,638 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. Indiana pay runs from $13.88 an hour at the 10th percentile to $23.95 at the 90th, so the same rate costs $0.32 an hour on a new hire and $0.55 on a senior hand.
Workers comp requirements in Indiana
- Coverage required: 1 employee
- Owners and sole proprietors: Owners exempt for themselves; construction independent contractors file a Clearance Certificate
- State fund: Private market (no state fund)
- Waiting period: 7 days; retroactive if disability exceeds 21 days
- Penalty for going without: Up to $10,000 per violation plus $50 per day per uncovered employee
Indiana sets rates through its own Indiana Compensation Rating Bureau rather than NCCI.
Indiana vs neighboring states
Indiana has the lowest landscaping comp rate in its region; every neighboring state charges more per $100 of payroll.
Working across the line into Ohio needs separate coverage from that state's fund. A private policy's other-states coverage (item 3.C) does not reach monopolistic states.
What moves a landscaping comp bill
- Landscape gardening is a high-claim class because of mowers, trimmers, chainsaws, and lifting. Equipment training and guards that stay on the machines lower claims.
- Tree trimming above the ground is usually a separate class with a much higher rate. Keep that payroll apart, or the auditor may rate a whole crew at the tree rate.
- Snow plowing, hardscaping, and irrigation installs can each be classed differently. Tell your carrier what share of payroll goes to each.
- Landscaping payroll swings by season. Report the full-year figure at renewal so the audit does not bring a large bill in the off season.