Business Insurance for Irrigation Professionals

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Lawn Irrigation/Sprinkler System Installation

Or call us at (800) 688-1984

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.

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

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).

BEST FOR

Slip-and-fall accidents
Damaged customer property
Libel or slander lawsuits

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.

BEST FOR

Car accidents
Vandalism and theft
Weather damage

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
Missed wages
Legal costs

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.

BEST FOR

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

"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