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My business liability insurance covers landscaping, tree work, snow removal, turf and tree spraying, mowing, fence installations, etc. NO DIGGING....such as with a backhoe, or excavator. I am not covered for digging basements, or installing drain tile, for example. Based on gross sales, my...

I just checked with North Dakota's Workforce Safety....otherwise known as Worker's Comp. The rate they charge for landscaping employees is 2.13% of their wages. For tree work the rate goes up to 5% of the employee's wages. Keep track of the employee's hours in each category worked and pay...