Business Insurance for Irrigation Professionals

Lawn Irrigation/Sprinkler System Installation
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.

Irrigation specialist treating crops.
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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 icon

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 icon

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 icon

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 icon

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 coverage icon

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 insurance icon

Cyber 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?

A tree service professional calculating their business insurance costs

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
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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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. 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.

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