What is Florists Cultivating Workers Compensation (class code: 35)?
Workers Compensation Insurance for florists engaged in cultivating operations (classified under class code 35) provides essential protection for businesses involved in growing flowers, plants, and decorative greenery. This includes exposure to operational risks such as repetitive motion injuries, equipment-related accidents, and potential greenhouse hazards.
Classified under a specific code for underwriting purposes, this coverage helps ensure injured employees receive medical treatment and wage replacement, while protecting employers from liability claims related to workplace injuries.
Who needs it
This coverage is typically required by businesses that grow and cultivate flowers or ornamental plants for retail or wholesale. This includes commercial floriculture operations, greenhouse growers, and nursery businesses. Even small-scale florists who manage their own cultivation may fall under this classification.
What it typically covers
Florists cultivating workers compensation generally includes:
- Medical care for job-related injuries or illnesses
- Lost wage replacement during recovery
- Disability benefits if applicable
- Rehabilitation support services
- Employer liability protection
For example, if a greenhouse employee develops respiratory issues from prolonged exposure to fertilizers, this policy may cover related medical expenses.
Common exclusions or limitations
While workers compensation provides broad protection, it typically excludes:
- Injuries from intentional misconduct or off-duty activities
- Independent contractors not classified as employees
- Claims filed outside of statutory deadlines
- Self-inflicted injuries
Employers should also be aware of state-specific exclusions and reporting requirements.
Factors that influence cost
Premiums for class code 35 are influenced by several underwriting factors, including:
- Business size and payroll volume
- Claim history and safety record
- Type of cultivation equipment used
- Risk management procedures in place
- State regulations and base rates
Implementing strong workplace safety protocols can help reduce long-term insurance costs.
Proof of insurance & compliance
Most states require floriculture businesses to carry valid workers compensation coverage, and proof of insurance may be requested by regulatory agencies or partners. Maintaining up-to-date documentation helps ensure compliance and supports business continuity in the event of an incident.
How to get a quote
To explore coverage options for your floral cultivation business, connect with specialists who understand the unique risks faced by growers. Our network provides access to carriers experienced in horticultural and agricultural exposures.
Request a quote today to protect your team and business.
Businesses involved in broader agricultural operations may also find helpful information in our Field Crops Workers Compensation Insurance overview. Additionally, those processing floral or plant-based goods should review Vegetable/Fruit Processing Workers Compensation coverage options.
Frequently Asked Questions
What does class code 35 mean in workers compensation?
Class code 35 refers to workers who cultivate flowers and ornamental plants, typically in greenhouses or nurseries. It's used for insurance classification and premium calculation.
Is workers comp required for small florist growers?
Requirements vary by state, but many require coverage even for small employers with just one or two employees.
Does this coverage include delivery drivers?
Not under class code 35—delivery staff may fall under a different classification due to commercial auto exposure and transport risks.
How do I lower my workers comp premium?
Maintaining a strong safety program, accurate payroll reporting, and a clean claims history can help reduce costs over time.
Can family members working on the farm be excluded?
Exclusions for family members depend on state laws and how they’re classified—consult your insurance provider for guidance.
Still have questions? Talk to a local insurance expert.