Class Code 0005 — Farm - Nursery Employees & Drivers

What This Class Code Covers

Class code 0005 covers nursery employees and their drivers who cultivate, grow, and sell plants, trees, shrubs, and related horticultural products. Work includes propagating plants in greenhouses, transplanting seedlings, maintaining growing beds, loading and unloading plant stock, and operating nursery equipment. Florida's year-round growing season makes this a significant classification in the state, particularly in areas like Homestead, Plant City, and the Treasure Coast.

Who Is Classified Under Code 0005

Nursery workers, greenhouse employees, plant propagators, irrigation workers, nursery truck drivers, and supervisors who perform hands-on nursery work.

Michigan Rate for Class Code 0005

The current Michigan workers' compensation rate for class code 0005 is $2.80 per $100 payroll. This rate is used to calculate your annual premium: (Total Payroll ÷ 100) × Rate. Your actual premium may be adjusted by your experience modification rate (EMR) and any applicable credits or debits.

Examples of Businesses Under Code 0005

A small family-owned plant nursery in Homestead, Florida, employing 5 people who cultivate and sell ornamental plants. A large commercial tree farm near Ocala with 20 employees specializing in citrus trees for groves across Florida.

Common Claims for Class Code 0005

Common claims include cuts and lacerations from pruning shears or thorns, back strains from lifting heavy plants or soil bags, and skin irritation from pesticides or fertilizers. Slips and falls on wet greenhouse floors are also frequent.

Premium Reduction Tips

• Separate clerical and sales staff under code 8810 or 8742 to reduce overall premium
• Implement heat illness prevention programs — Florida's climate increases heat-related claim risk
• Ensure drivers are properly licensed and MVR-checked to avoid premium surcharges

Get a Quote for Class Code 0005 in Michigan

Bright Coast Insurance provides workers' compensation quotes for class code 0005 in Michigan. Call or text (239) 323-0785 or request a free quote online. We serve businesses statewide with same-day certificates of insurance available for qualifying accounts.

See all Michigan workers comp class codes or search all states.