How to Use NAICS Codes to Classify Businesses on the Broker Platform. Lawn care naics code

How to Use NAICS Codes to Classify Businesses on the Broker Platform

If you’re looking to get a Cyber quote on the Broker Platform, you must select the industry that best suits your client’s business. At-Bay uses this industry classification to properly assess your client’s risk and provide the best available coverage.

Our application includes 20 distinct industry classifications, as well as “Other Services” for businesses that don’t quite fit in with the rest. Most industry classifications are intuitive and obvious, but occasionally it can be difficult to make the right choice.

When In Doubt, Do Not Default To ‘Other Services’

If you’re ever unsure of how to classify your client’s business, you may be inclined to default to “Other Services.” However, misclassifying a business can result in a quote that does not suit your client’s business needs.

Brokers who incorrectly select “Other Services” often see terms changed or revoked, which creates extra work and needless hassle in the long run.

So to save you time and effort, we’re here to help show you how to use NAICS codes to classify businesses on the Broker Platform.

What Is NAICS?

The North American Industry Classification System (NAICS) is a standardized numerical categorization of businesses. Every type of business has a unique six-digit NAICS code that corresponds to its sector and primary activity.

How Does At-Bay Utilize NAICS codes?

We use the first two numbers in every NAICS code to classify businesses on the Broker Platform. If you’re ever unsure of how to classify your client’s business, download our Industry Classification Reference Guide and follow the steps below:

How Do I Find The NAICS Code For My Client’s Business?

First, open up the NAICS Identification Tool in a new browser window.

In the top search bar on the page that says “Keyword(s) or NAICS code,” type basic keywords to describe your client’s business. Keep keywords simple. For example, if your client is a law firm, the best keywords would be “law firm,” “legal,” or “attorney.”

After you enter keywords, click Search. The NAICS Identification Tool will display a table containing all industries and codes that match those keywords.

Find the NAICS Title that describes your client’s business. If you do not see an option that matches your client’s business, try searching different keywords. The NAICS code for your client’s business will be to the left of the NAICS Title.

Use the At-Bay Industry Classification Reference Guide and match the industry to the first two digits of your client’s NAICS code.

Return to your Cyber application on the Broker Platform, select the identified industry, and proceed with the application.

Which Business Types Belong In The ‘Other Services’ Category?

“Other Services” is the proper choice for businesses that do not fit into the rest of the industry classifications. Importantly, Public Administration DOES NOT fall under “Other Services.”

Common examples of businesses that are classified as “Other Services” include:

Ready to get a Cyber quote with At-Bay?

Insurance for Landscaping Business in CT: What You Need to Know

As a landscaper, your services play an important role in improving the curb appeal and resale value of your clients’ homes. over, the commercial outdoor spaces you design, develop, and maintain will increase the attractiveness of businesses to customers. However, how can you properly manage the various exposures and risks you face day-to-day to maintain profitability? Landscaping insurance in CT is a proven risk management and loss prevention tool for your business. Read on to learn more.

Coverage Types Befitting Landscaping Businesses

Consider getting these insurance policies to protect your landscaping business:

General Liability (GL) Insurance

GL insurance can cover the cost of liability claims against your landscaping company. These costs can include settlements and your legal defense fees. Common liabilities covered include:

• Damage to customers’ property: This liability results from damage to things like clients’ roofing, fence, or glass window panes, during lawn care.
• Customer injuries: A customer trips in a hole your employees dug in their compound, hurting their leg. They could sue your company for the cost of treating their injury.
• Products and completed operations: These are bodily injury and property damage exposures arising out of defects in your completed landscaping projects.
• Advertising injuries: GL can cover defamation claims when you’re accused of harming another party’s reputation.

BOP Landscaping Insurance in Connecticut

A business owner’s policy (BOP) gives you general liability and property coverages in one package. It’s usually cheaper than purchasing each coverage separately. If your annual revenue is below 5 million and employees are fewer than 100, this insurance package is structured for a landscaping business like yours.

Besides liability protection, a BOP may include the following coverages:

Property damage: It covers the cost of replacing or repairing your business building /office space and the belongings housed inside. Covered events/losses include theft and damage due to fire, storm, etc.

Expensive landscaping equipment: You may need supplemental insurance (opt-in riders) to cover high-cost tools like mowers.

Business interruption: This BOP insurance component covers income losses and operating expenses if your firm suspends operations due to a covered event.

Equipment breakdown: The policy can cover downtime due to issues like mechanical defects or power surges.

You may customize your commercial insurance by adding riders or increasing your coverage limits. Discuss your unique needs with your insurance agents to maximize your liability and property damage protection.

Workers’ Compensation Insurance for Landscapers

To comply with Connecticut law, you must get workers’ comp insurance for the workers in your landscaping company’s payroll. This policy can cover medical costs for employees injured or taken ill due to on-the-job exposures/accidents.

Commercial Vehicle Insurance

You should purchase commercial auto insurance for company-owned and personal cars used to execute your business functions. The policy can cover third-party property damage and bodily injury claims.

How Insurers Classify Landscaping Services

Your insurance classification and coding are based on your type/scope of landscaping services. Work closely with your insurance agent to get a proper insurance classification for your landscaping business. Being classified based on your actual risk profile helps you avoid:

Typical insurance class codes for landscaping services include:

• If you’re in the lawn care specialty, your ISO general liability code would be 97050, while the ISO GL code for gardening is 97047.
• Under the NAICS coding system, landscape architectural services belong in class 541320. The NAICS Code 561730 applies to landscaping services.

Would you like to learn more about choosing the right insurance for your landscaping business in CT? If so, contact our experts at C.V. Mason Insurance Agency today. We’re happy to help you choose the most important coverages for your line of work.

C.V. Mason Insurance Agency

LComparing homeowners’ insurance quotes is the best way to find the best policy for your needs. Once you know what goes into determining your quote, you may be able to find ways to reduce your overall cost by qualifying for discounts. If you have questions about the best way to compare quotes, contact your insurance agent.

Landscaping Services Business

Learn about trends in the landscaping services industry and find more information on starting a landscaping services business. Don’t forget you can receive free or low-cost training and free professional business advice, from your local Small Business Development Center!

Optimizing Success with NAICS Codes (Webinar)

View our related business report here: Cleaning Services Business

Landscaping Services COVID-19 Resources

In response to the global COVID-19 pandemic, shelter-in-place orders and physical distancing measures have affected many businesses. Here is a look at the impact to the landscaping industry. Landscape services are considered essential services in most of the U.S., but COVID-19 is still impacting the landscape industry in many ways. A survey conducted in April by Green Industry Pros reveals that more than 50% of landscaping businesses have experienced an impact to their revenue. Due to stay at home orders, people are spending more time in their yards as noted by the 60% reported cancellations in the residential market. Here are additional COVID-19 business resources specific to this industry:

Landscaping Services Business Overview Trends

NAICS Code: 561730, SIC Code: 0782

This landscaping services industry summary is from First Research which also sells a full version of this report.

• “Companies in this industry provide landscape care and maintenance services for both commercial and residential customers. Major US companies include Asplundh Tree Expert, BrightView Landscapes, The Davey Tree Expert Company, and TruGreen. Outside the US, major companies include Active Tree Services (Australia) and Idverde (France). As the world becomes more urban, interest in green spaces — including trees, lawns, flowers and hedges — is increasing in cities around the globe, driving demand for landscaping services. Global demand is driven mainly by factors such as housing starts, employment, and consumer spending. The US landscaping services industry includes more than 100,000 establishments (single-location companies and units of multi-location companies) with combined annual revenue of about 82 billion.
• Competitive Landscape: Demand is driven partly by construction spending and partly by the economy’s overall health. Because management and equipment costs are mainly fixed, the profitability of individual companies depends on demand volume and operations’ efficiency. Small companies can easily compete with big ones, except in providing services to large customers. Big companies operate mainly through local branches or offices that have operations almost identical to those of local companies. The US industry is highly fragmented: the top 50 companies generate about 15% of revenue.
• Products, Operations Technology: Landscaping services include commercial and residential landscape maintenance, landscape construction, irrigation systems, tree services, chemical lawn care and pest control, and “line-clearing,” or branch removal around utility lines. ”

Additional resources on the landscaping industry and trends include:

Landscaping Services Business Customer Demographics

Major customer segments for landscaping services are reported by IBISWorld, which offers full version of the report for purchase here.

• Landscaping businesses provide services to residential, commercial, and public sector clients.
• Residential clients provide the highest industry revenue at 48.3%. The segment include single- and multi-family homes. Demand from homeowners is dependent on their disposable income for this service. The segment would also include home builders and homeowners association (HOA), the latter providing the service to ensure compliance with HOA standards.
• Commercial clients, at 42.5%, account for the next largest segment driving industry revenue. The category includes clients such as hotels, retail centers and other office space. For customers in this segment, services are provided to building exteriors as well as to interior green space.
• Public sector clients provide 6.7% of industry revenue. Organizations included in this segment are schools, municipal parks, community centers and other government-owned spaces. Spending from this sector is dependent on annual budgets; however, some services may be included for being deemed essential to the operation of the community.

Additional information on landscaping customers can be found in a variety of trade associations and publications, including:

Landscaping Services Business Startup Costs

According to Entrepreneur Magazine, the costs to start a landscaping business are as follow:

Additional landscaping startup costs can be found at:

Landscaping Services Business Associations

Trade associations often are excellent sources of information on an industry. Here are some relevant landscaping services industry associations:

Lawn Care Business Regulations

Although there is no one agency regulating landscaping businesses, the Occupational Safety and Health Administration (OSHA) provides resources for employers in the landscaping industry. The resources covered include professional standards and a guide to identify hazardous chemicals oftentimes used in the industry.

Landscaping Services Business Employment Trends

Labors costs are significant expense for a landscaping service. The following are insights from the Bureau of Labor Statistics focused on grounds maintenance workers. A more specific breakdown of wages for Landscaping Services businesses in the US can be found here.

• “Pay: The median hourly wage for grounds maintenance workers was 14.85 in May 2019. The median wage is the wage at which half the workers in an occupation earned more than that amount and half earned less. The lowest 10 percent earned less than 10.53, and the highest 10 percent earned more than 23.18.
• Work Environment: Grounds maintenance workers held about 1.3 million jobs in 2018. Employment in the detailed occupations that make up grounds maintenance workers was distributed as follows:

• Landscaping and groundskeeping workers – 1,205,200
• Tree trimmers and pruners – 55,600
• Pesticide handlers, sprayers, and applicators, vegetation – 35,700
• Grounds maintenance workers, all other – 17,700

Grounds maintenance work is done outdoors in all kinds of weather. The work can be repetitive a physically demanding, requiring frequent bending, lifting, and shoveling.

• Job Outlook: Overall employment of grounds maintenance workers is projected to grow 9 percent from 2018 to 2028, faster than the average for all occupations. Employment growth will vary by specialty. Employment of landscaping and groundskeeping workers—the largest specialty—is projected to grow 9 percent from 2018 to 2028, faster than the average for all occupations. workers will be needed to keep up with increasing demand for lawn care and landscaping services from aging or busy homeowners and large institutions, such as universities and corporate campuses. The growing popularity of outdoor kitchen and living areas should also increase demand for the services these workers provide. Employment of tree trimmers and pruners is projected to grow 10 percent from 2018 to 2028, faster than the average for all occupations. Many municipalities are planting more trees in urban areas, likely increasing the demand for these workers.”

Additional Small Business Resources

Already in business or thinking about starting your own small business? Check out our various small business resources:

Choosing the Right NAICS Codes

• View more business reports here: Small Business Snapshots
• View small business help topics here: Small Business Information Center
• View industry-specific research here: Market Research Links
• View business plans samples here: Sample Business Plans

Remember, you can also receive free professional business advice and free or low-cost business training from your local Small Business Development Center!

What is the IRS Code for Landscaping Services?

Are you looking for the North American Industry Classification System (NAICS) code for landscaping services? The NAICS code for landscaping services is 561730.

Are you looking for the NAICS code for landscaping services? If so, you’ve come to the right place. The North American Industry Classification System (NAICS) code for landscaping services is 561730. This code applies to businesses that provide landscape care and maintenance services, such as installing trees, shrubs, plants, lawns, or gardens. If you have a business in the garden services industry, there are many reasons to obtain a NAICS code.

For example, if your garden service company is interested in obtaining government contracts, it must be an eligible provider. Even to participate in such offers, it is necessary to have a NAICS code. This allows the government to identify your industry and key business activities. In addition, the Internal Revenue Service (IRS) uses NAICS codes to make decisions about your tax returns compared to similar companies in your industry.

This is why it’s important to make sure you have the correct code for your business. The NAICS code 561730 covers two categories of gardening businesses. The first includes establishments that are mainly dedicated to providing landscape care and maintenance services. This would include installing trees, shrubs, plants, lawns, or gardens.

The second category includes establishments that are mainly dedicated to planning and designing the development of land areas for projects, such as parks and other recreational areas; airports; highways; hospitals; schools; land subdivisions; and commercial, industrial and residential areas.These establishments use their knowledge of terrain characteristics, location of buildings and structures, use of land areas and design of landscape projects to create beautiful outdoor spaces. So if you’re looking for the NAICS code for landscaping services, you now know that it’s 561730. This code applies to businesses that provide landscape care and maintenance services as well as those that plan and design land areas for projects.

What percentage of house value should you spend on landscaping?

Gardening Tips The ASLA recommends keeping your spending on outdoor improvements and landscaping in the range of 10 percent to 20 percent of the current value of your home. A house on a hill or on a sloping patio may deter some buyers, especially those with children who are looking for safety and space to run around.

Is there a free app to design landscape?

iScape is one of the best free landscape design apps available, but it’s only available for iOS. The planter is best for those who just want to learn more about gardening.

Driveway Pavers: A Smart Investment for Your Home

Are you looking for a way to increase the value of your home? Investing in driveway pavers is a great option. Not only can it have a dramatic impact on the curb appeal of your property, but it’s also better for the environment than concrete entrances.

What are the 5 elements of a natural landscape?

While all elements of landscaping are important, color may be the most essential. These seemingly abstract terms may be disconcerting to you.

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