Business Insurance for Irrigation Professionals

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Lawn Irrigation/Sprinkler System Installation
Irrigation specialist in a yard testing a sprinkler.
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Save money by comparing insurance quotes for irrigation businesses

If a client trips over a sprinkler head or an installer develops a back injury, you could face big losses. Safeguard your small business with policies designed for a landscape irrigation company.

Man setting up irrigation system.
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Compare insurance quotes from top U.S. carriers

Insureon helps irrigation businesses compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do irrigation businesses need?

These policies cover the most common irrigation business risks.

General liability insurance icon

General liability insurance

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

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
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Commercial auto insurance

This policy covers vehicles owned by an irrigation or sprinkler installation business. It pays for expenses from accidents, theft, vandalism, and weather damage.

  • Car accidents
  • Vandalism and theft
  • Weather damage
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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.

  • Employee medical expenses
  • Missed wages
  • Legal costs
Contractor’s tools and equipment coverage icon

Contractor’s tools and equipment insurance

This policy helps pay for repair or replacement of an irrigation business’s mattocks, shovels, pipe cutters, and other tools if they are lost, stolen, or damaged.

  • Equipment less than five years old
  • Mobile equipment
  • Small tools
Looking for different coverage? See more policies.

Why do irrigation businesses need insurance?

Irrigation work involves pipe cutters and other sharp tools, and heavy machinery like compact excavators. That means there’s a high risk of injury. Irrigation insurance helps cover employee injuries, property damage, client lawsuits, stolen tools, and more.

How much does insurance cost for irrigation and landscaping professionals?

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

Several factors will have an impact on insurance costs, including:

  • Landscaping services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
What our customers are saying
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"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."
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Lawn Irrigation/Sprinkler System Installation