Business Insurance for Irrigation Professionals
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 a single easy online 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).
- Slip-and-fall accidents
- Damaged customer property
- Libel and other advertising injuries
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
- Disability benefits
- Employer’s liability coverage
Tools and equipment insurance
This policy covers mattocks, shovels, pipe cutters, and other tools used for irrigation systems wherever you bring them. It's also called inland marine insurance.
- Hand tools and power tools
- Equipment brought to jobsites
- Items stored off-site
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.
- Property damage caused by your vehicle
- Medical bills from an auto accident
- Vehicle vandalism and theft
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.
- Customer injuries
- Customer property damage
- Damage to your building or its contents
License and permit bonds
Irrigation professionals often need a bond to get licensed in their state or to do certain kinds of work. A bond provides a financial guarantee that your business will comply with regulations.
- State licensing requirements
- Plumbing permits for backflow devices
- Building permits for sprinkler systems
How much does irrigation and landscaping business insurance cost?
A small business with a few landscapers will pay less for insurance than a larger company.
Average irrigation business insurance costs include:
- General liability: $105 per month
- Tools and equipment: $53 per month
- Workers' comp: $209 per month
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
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 asks for basic company details, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance (COI) 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.
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