# Bright Coast Insurance

**Florida-Licensed Independent Insurance Agency** | Florida License #L132181  
Phone: (239) 323-0785 | Email: support@brightcoastins.com  
Address: PO Box 417, Pineland, FL 33945  
Website: https://brightcoastins.com  
Google Business Profile: https://www.google.com/maps/search/?api=1&query=Bright+Coast+Insurance&query_place_id=ChIJ2bHi4scRv4gRzuxlEjQ0a84

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# Workers' Comp Class Code 0042 — Landscape Gardening & Drivers (TX)

**Class Code:** 0042  
**Description:** Landscape Gardening & Drivers  
**State:** TX  
**Rate:** $3.50 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 0042?

Class code 0042 covers landscape gardening and lawn maintenance operations. This includes mowing, trimming, planting, mulching, irrigation installation and repair, sod installation, and general grounds maintenance. In Florida, this is one of the most common workers comp classifications due to the state's year-round outdoor work season. Workers face risks from equipment operation (mowers, trimmers, blowers), heat illness, repetitive motion injuries, and traffic exposure when working near roadways.

## Who Does Class Code 0042 Apply To?

Landscapers, lawn maintenance workers, irrigation technicians, sod installers, mulch crews, and drivers who transport equipment and materials.

## Florida Examples — Class Code 0042

A 10-person residential landscaping company in Orlando, Florida, providing lawn care, planting, and irrigation services. A commercial landscape maintenance firm in Fort Lauderdale with 25 employees servicing corporate campuses and HOAs.

## How to Calculate Workers' Comp Premium for Class Code 0042

**Formula:** (Annual Payroll ÷ 100) × $3.50 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $2800 | $3500 | $4200 |
| $250,000 | $7000 | $8750 | $10500 |
| $500,000 | $14000 | $17500 | $21000 |
| $1,000,000 | $28000 | $35000 | $42000 |

## Tips for Managing Class Code 0042 Workers' Comp Costs

- Tree trimming and removal must be classified under code 0106 — mixing these operations can cause audit issues
- Florida's heat makes heat illness prevention programs essential — document your program in writing
- Separate clerical and estimating staff under code 8810 for significant premium savings
- Verify all subcontractors carry their own workers comp to avoid being charged for their payroll
- Pay-as-you-go workers comp is ideal for businesses with fluctuating seasonal crews

## Safety Recommendations for Class Code 0042

- Provide thorough training on the safe operation of all landscaping equipment and ensure proper guarding is in place.
- Mandate the use of appropriate PPE, including safety glasses, hearing protection, gloves, and steel-toed boots.
- Implement a heat illness prevention program with regular water breaks and shaded rest areas.
- Train employees on proper lifting techniques and encourage the use of mechanical aids when possible.

## Get a Quote for Class Code 0042

Contact Bright Coast Insurance for a workers' comp quote for class code 0042 in TX:

- **Phone:** (239) 323-0785
- **Email:** support@brightcoastins.com
- **Online:** [Workers' Comp Calculator](https://brightcoastins.com/comp-calculator)
- **Class Code Lookup:** [https://brightcoastins.com/workers-comp-codes/tx](https://brightcoastins.com/workers-comp-codes/tx)



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## About Bright Coast Insurance

Bright Coast Insurance is a Florida-licensed independent insurance agency (Florida License #L132181) specializing in commercial insurance for Florida contractors, builders, property owners, and HOA/condo associations. As an independent agency, we represent multiple carriers including US Assure (builders risk), Employers Holdings, AmTrust Financial, and others — allowing us to find the best coverage at the most competitive rate for each client.

**Contact:** (239) 323-0785 | support@brightcoastins.com  
**Address:** PO Box 417, Pineland, FL 33945  
**Website:** https://brightcoastins.com  
**Hours:** Monday–Friday, 9 AM–5 PM ET

*Bright Coast Insurance is an authorized FWCJUA placement agency and an authorized US Assure builders risk agency.*