Landscaping & Lawn Care workers compensation in Indiana
Landscaping & Lawn Care businesses in Indiana pay a median rate of $2.62 per $100 of payroll, ranging from $2.62 to $2.62. The national median for Landscaping & Lawn Care is $2.83, so Indiana sits 7% below the national average. 1 unique NCCI class codes are filed in this state for Landscaping & Lawn Care occupations. Verified 2026-05-09.
Top Landscaping & Lawn Care class codes in Indiana
The class codes most likely to apply to a Landscaping & Lawn Care operation in Indiana, sorted from cheapest to most expensive per $100 of payroll. Click into any code for the full state-by-state rate comparison.
| Code | Occupation | Rate per $100 | Confidence |
|---|---|---|---|
| 0042 | Landscape gardening | $2.62 | HIGH |
Indiana compliance for Landscaping & Lawn Care employers
Coverage threshold
Employers with one or more employees are generally required to carry workers' compensation insurance.
1099 vs W-2 in Landscaping & Lawn Care
Indiana uses the 'right to control' test to determine if a worker is an employee or an independent contractor; misclassification can lead to penalties.
Owner exclusion
Allowed in Indiana. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$852 at 66.67% of average weekly wage, effective 2025-07-01.
Statute of limitations
2 years from injury date in Indiana.
Audit window
Indiana carriers audit payroll within 90-120 days of policy expiration. Keep Landscaping & Lawn Care payroll segregated by class code and have job-duty documentation ready.
Cross-cite: full Indiana workers comp overview · Landscaping & Lawn Care cross-state rate comparison · Indiana workers comp lawyer guide · Indiana settlement chart
Estimate your Landscaping & Lawn Care premium in Indiana
Pre-filled to Landscaping & Lawn Care and Indiana. Adjust payroll to see a real premium range from filed rates.
Estimate your workers comp premium
Pick your industry, state, and annual payroll. Range comes from real rate filings.
Estimated annual premium for Landscaping & Lawn Care in Indiana
$13,100to$13,100
Median: $13,100 · Rate range $2.62 to $2.62 per $100 payroll
Industry median across all states
$14,150
Cheapest states for Landscaping & Lawn Care
- Utah $0.850
- Tennessee $1.67
- Virginia $1.74
Most expensive
- New Jersey $9.96
- California $5.41
- Hawaii $4.75
Estimate based on 22 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.
Filing checklist for Landscaping & Lawn Care businesses in Indiana
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Step 1, Confirm coverage threshold
Employers with one or more employees are generally required to carry workers' compensation insurance. For Landscaping & Lawn Care operations, this typically applies once you make a first W-2 hire, even part-time.
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Step 2, Pick the right class code
Landscaping & Lawn Care businesses typically use codes like 0042. The wrong code can cost 4 to 10x more or get reclassified at audit. In Indiana, the cheapest code on this list is 0042 at $2.62 and the most expensive is 0042 at $2.62.
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Step 3, Get a quote
Private carriers write Landscaping & Lawn Care coverage in Indiana. Schedule credits up to 25% are typical for low-loss accounts.
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Step 4, Document subcontractors
A principal contractor can be held liable for injuries to employees of uninsured subcontractors. Landscaping & Lawn Care operators with crews of 1099s should keep certificates of insurance for every sub, otherwise the GC absorbs the sub liability at audit.
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Step 5, Annual audit
Carriers audit payroll within 90-120 days of policy expiration. Have payroll segregated by class code, job descriptions on file, and overtime properly excluded from rated payroll. Landscaping & Lawn Care class allocation can shift if any worker spends more than 50% of time on a different code.
Landscaping & Lawn Care workers comp FAQs in Indiana
What is the typical workers comp rate for Landscaping & Lawn Care in Indiana?
Landscaping & Lawn Care employers in Indiana pay a median rate of $2.62 per $100 of payroll, with rates ranging from $2.62 to $2.62 depending on the specific class code. The national median across all states for Landscaping & Lawn Care is $2.83, so Indiana sits about 7% below the national average.
How many Landscaping & Lawn Care class codes are filed in Indiana?
Indiana has 1 unique NCCI class codes filed for Landscaping & Lawn Care occupations, drawn from 1 state-class code rate cells in our dataset. The most common codes include 0042 (Landscape gardening).
Are Landscaping & Lawn Care 1099 contractors covered by workers comp in Indiana?
Indiana uses the 'right to control' test to determine if a worker is an employee or an independent contractor; misclassification can lead to penalties.
What is the maximum weekly benefit for an injured Landscaping & Lawn Care worker in Indiana?
Indiana caps weekly workers comp benefits at $852 (effective 2025-07-01), calculated as 66.67% of the average weekly wage. Landscaping & Lawn Care workers are subject to the same statutory cap as workers in any other industry.
How long does a Landscaping & Lawn Care worker have to file a comp claim in Indiana?
The statute of limitations in Indiana is 2 years from the date of injury. Most claims also require notice to the employer within 30 days. Landscaping & Lawn Care workers should report any incident on the date it happens, even minor strains, because cumulative trauma claims can fail without contemporaneous documentation.
Can a Landscaping & Lawn Care business owner exclude themselves from comp coverage in Indiana?
Yes, Indiana allows business owners (sole proprietors, partners, LLC members, corporate officers) to file an exclusion election. Landscaping & Lawn Care owner-operators often elect out to keep premium below the minimum. Sole-proprietor self-coverage is not required, and LLC member self-coverage is not required.