Workers' Comp for Tree Service Contractors
Tree Service payroll is normally classified under 0106 — Tree Pruning, Spraying, Repairing — All Operations & Drivers. Whether you are legally required to carry workers' compensation depends on your state's employee threshold, which ranges from one employee to none at all. Pick your state below.
Choose your state
Tree Service in Florida
1 employee (construction) / 4 employees (non-construction)
Tree Service in Texas
Not mandated for private employers (elective)
Tree Service in Georgia
3 or more regularly employed
Class codes
| Code | Classification | What it covers |
|---|---|---|
0106 | Tree Pruning, Spraying, Repairing — All Operations & Drivers | Pruning, trimming, repairing, spraying and removal, plus stump grinding and the crew's own chipping. Applies where any part of the job requires elevation — ladders, lifts or climbing. |
0042 | Landscape Gardening & Drivers | Ground-level landscaping and grounds maintenance. Many tree companies carry payroll in both 0042 and 0106. |
What makes tree service different
0106 is one of the highest-rated codes in the green industry — chainsaws, heights and rigging in one job. Payroll split between 0106 and 0042 is where tree companies win or lose at audit.
Tree work is routinely refused by the instant-quote platforms, and the 0106/0042 payroll split is badly understood even by the contractors who live with it.
What underwriters ask
- Climbing versus bucket-truck versus ground-only split of payroll
- Maximum height and diameter of trees taken down, and any crane-assisted removals
- Storm and emergency response work, and whether you travel out of state for it
- Chipper and stump-grinder maintenance and lockout practice
- Loss runs and experience modifier
- Chainsaw, rigging and aerial-rescue training records
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Common questions
What is the workers' comp class code for tree service?
0106 — Tree Pruning, Spraying, Repairing — All Operations & Drivers. Pruning, trimming, repairing, spraying and removal, plus stump grinding and the crew's own chipping. Applies where any part of the job requires elevation — ladders, lifts or climbing.
Which states does Anvil cover for tree service?
Anvil operates in states with a competitive private workers' compensation market. We do not operate in Ohio, North Dakota, Washington or Wyoming, where coverage is bought from a state fund. Florida, Texas and Georgia are live today.