Business Insurance for Irrigation Professionals

Compare multiple quotes from top carriers with one application.

Lawn Irrigation/Sprinkler System Installation

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Irrigation specialist in a yard testing a sprinkler.

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Why do irrigation professionals need business insurance?

Working with pipe cutters and compact excavators on someone else's property brings high risk. Irrigation business insurance helps cover medical bills, property damage and theft, and legal fees if someone sues your business. Some policies may be required by landlords, lenders, and the law.

One application, multiple quotes

Insureon helps irrigation professionals compare small business insurance quotes from top U.S. carriers online.

Get several quotes with one easy application.

What types of insurance do irrigation businesses need?

These insurance policies cover common risks faced by irrigation businesses.

General liability insurance

This policy covers basic risks, such as a client tripping over a pipe and breaking an arm. Bundle it with commercial property insurance for savings in a business owner's policy (BOP).

BEST FOR

Slip-and-fall accidents
Damaged customer property
Libel and other advertising injuries

Business owner's policy

A business owner's policy, or BOP, is a cost-effective way for irrigation businesses to buy general liability coverage and commercial property insurance together.

BEST FOR

Customer injuries
Customer property damage
Damaged or stolen business property

Commercial auto insurance

Most states require this insurance coverage for vehicles owned by an irrigation or sprinkler installation business. It helps cover financial losses if your vehicle is involved in an accident.

BEST FOR

Property damage caused by your vehicle
Medical bills from an auto accident
Vehicle vandalism and theft

Workers’ compensation insurance

Most states require workers' comp for irrigation businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR

Employee medical expenses
Disability benefits
Employer’s liability coverage

Contractor’s tools and equipment insurance

This policy helps pay for repair or replacement of mattocks, shovels, pipe cutters, and other tools used for irrigation systems. It's a type of inland marine insurance.

BEST FOR

Equipment less than five years old
Mobile equipment
Small tools

Cyber liability insurance

A cyber liability policy helps irrigation businesses recover financially from cyberattacks and data breaches. It's strongly recommended for any business that handles sensitive information.

BEST FOR

Customer notification costs
Fraud monitoring services
Data breach investigations

Looking for different coverage? See more policies.

How much does irrigation and landscaping business insurance cost?

Landscaper calculating costs of medical, auto, and employee expenses.

A small business with a few landscapers will pay less for insurance than a larger company.

Factors that affect premiums include:

Services offered, such as center-pivot irrigation systems
Value of landscaping and irrigation equipment
Business income
Types of insurance purchased
Policy limits and deductibles
Coverage options, such as actual cash value or replacement cost

View Costs

How do I get irrigation insurance?

It's easy to get irrigation business insurance and license/permit bonds if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

Complete a free online application
Compare insurance quotes and choose policies
Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. carriers to find the right type of coverage for your irrigation business, whether you work independently or hire employees.

What our customers are saying

"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."

Richard C.

Software / internet design

"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."

Michael D.

Programmer

"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."

Esther L.

Management consultant