Personal Services & Property
Class Code 9102: Lawn Maintenance—Commercial — Workers' Comp Insurance
Covers commercial lawn care and mowing services performing routine maintenance on commercial and residential properties, using mowers, trimmers, and similar power equipment. It's a distinct classification from landscape design and installation work, which carries its own code.
- Risk level:
- elevated
What code 9102 covers
Class 9102 applies to businesses providing ongoing lawn maintenance services — mowing, trimming, edging, and routine turf care — for commercial and residential customers, covering crews operating mowers, string trimmers, blowers, and similar power equipment. The recurring nature of the work, combined with power-equipment exposure and outdoor conditions, places this classification at a meaningfully higher risk level than most office or retail codes. This code is distinct from landscape gardening and installation work (0042), which involves planting, grading, and hardscape installation rather than routine mowing and maintenance, though many businesses offer both services and may need payroll evaluated across both classifications. Snow removal performed by the same crews in winter months is commonly reviewed as part of the same overall operation, subject to state-specific treatment.
Included operations
- Mowing, trimming, and edging services
- Blowing and clearing clippings and debris
- Fertilizer and basic turf treatment application
- Routine seasonal lawn care visits
Assigned elsewhere
- Landscape design, planting, and installation work — see code 0042 (Landscape Gardening & Drivers)
- Tree removal and trimming performed with specialized climbing or aerial equipment, evaluated under the applicable classification
- Irrigation system installation performed by a specialty contractor, evaluated separately
- Hardscape and paver installation, evaluated under the applicable contracting classification
Businesses that typically carry 9102
- Commercial lawn care companies
- Landscape maintenance contractors focused on mowing routes
- Grounds maintenance services for commercial properties
- Independently owned service businesses
- Franchise locations
- Multi-location service operators
Common misclassifications
Code 0042
Lawn maintenance and landscape gardening/installation are often provided by the same company but involve different duties and are separate classifications.
Code 9060
In-house grounds crews at a country club or similar facility are typically coded under the club's own classification rather than a standalone lawn maintenance code.
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What drives the cost of code 9102
- Total annual payroll for employees assigned to this classification
- Experience modification factor based on claims history
- State-specific base rates and loss costs filed for this class code
- Claims frequency and severity trends for the business
- Safety programs, training, and workplace controls in place
- Payroll mix across multiple classifications at the same location
What underwriters look for
- Specific services offered and equipment used
- Whether work is performed at the business location, in clients' homes, or off-site
- Prior claims history and current experience modification factor
- Employee training and use of protective equipment
State differences
This entry uses standard NCCI class code phraseology, which applies in most NCCI-governed states. Pennsylvania (PCRB), Delaware (DCRB), California (WCIRB), New Jersey (NJCRIB), Michigan, New York (NYCIRB), and Massachusetts maintain their own classification manuals, and code numbers or phraseology can differ there. Our agency confirms the correct classification for your state before quoting.
Where code 9102 fits
Quote class code 9102.
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Class code 9102 questions
Is this the same code as landscape design and installation?
No, that's a separate classification (0042); 9102 is specific to routine mowing and lawn maintenance work.
Does this code cover fertilizer application?
Yes, basic turf treatment and fertilizer application performed as part of routine lawn care service is included.
What if our crews also do snow removal in the winter?
Snow removal performed by the same crews is commonly reviewed as part of the overall operation, subject to state-specific treatment.
Why is this rated higher than a typical retail or office class?
Power equipment use and ongoing outdoor field work carry meaningfully more physical exposure than office or counter-based work.
Last reviewed · Reviewed by Provident Financial Group licensed agents