landscapers coverage calculator
Your pay, your loans, your work plan. See the gap in 30 seconds.
OpenIf you die on the job
What workers comp, work plans and Social Security pay, and what they don't.
OpenWhy it matters
In 2023, grounds maintenance workers had a fatal injury rate of 20.5 per 100,000 full time workers. The rate for all workers was 3.5. That is almost six times higher.
About 1 in 5 grounds workers is self employed. If you run your own crew, there is no work life plan unless you buy one.
- OSHA says many hazards in tree care can kill, including power lines, falling branches, and faulty safety gear.
- BLS says tree trimmers may work at great heights. About 20 percent of grounds maintenance workers are self employed.
What an insurer may ask you
Have these ready. Being honest up front gets you a real price and avoids problems at claim time.
- Tree work or lawn and garden work
- Climbing or aerial lift work
- Work near power lines
- Whether you are self employed
- Your age, health, and tobacco use
Common questions
Can landscapers get life insurance?
Yes. Lawn work may not change your price much. Tree work may cost more.
Why does tree work matter?
OSHA says power lines, falling branches, and faulty gear can kill tree workers. Insurers may ask about climbing.
I run my own crew. Do I have coverage?
Only if you bought it. There is no employer plan when you work for yourself.
Should I tell them I climb trees?
Yes. Answer every question truthfully so your family gets paid.
