Irrigation Insurance

business owners protected by irrigation insurance

Keep Business Flowing With Irrigation Insurance

Whether you’re working with farms, businesses or residential landscapes, your customers appreciate your skills and dependability. But unexpected events can put your business at risk. With irrigation insurance, you’ll be better prepared to handle the stream of challenges your business may face.
 
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business owners protected by irrigation insurance

What Is Irrigation Insurance?

Irrigation insurance is made up of different types of business insurance coverages to help protect your business from various claims. Installing, maintaining or repairing lawn irrigation systems means you face unique landscaping risks. With irrigation insurance options, you can help protect your business in the event of:
 
  • Personal injury
  • Property damage
  • Stolen equipment
  • Work-related car accidents

Why Might You Need Irrigation Insurance?

No matter how experienced you are, unexpected problems can arise while you design and maintain complex systems to keep farms and landscapes thriving. Without insurance, a single claim could put your livelihood at risk.
 
Irrigation insurance can help protect you from the unique risks that come with:
 
  • Installing and repairing irrigation systems
  • Operating heavy machinery on client properties
  • Managing water usage and detecting leaks or runoff issues
small business owner protected by irrigation business insurance

Who May Need Irrigation Insurance?

We designed our business insurance solutions with irrigation professionals in mind. Our coverages can help protect:
 
  • Residential and commercial irrigation contractors
  • Lawn sprinkler system installers
  • Drip irrigation specialists
  • Agricultural irrigation businesses
  • Repair and maintenance service providers

What Type of Insurance Do I Need for an Irrigation Business?

Many irrigation professionals have a Business Owner’s Policy (BOP) as the foundation of their insurance plan for the peace of mind it can provide. It includes three types of coverage to help protect your business from claims of bodily injury, property damage and liability.
 
A BOP includes: 
 
General liability insurance to help protect your irrigation business from claims that it caused bodily injury or property damage to others, like if you accidentally damage a client’s driveway while moving equipment.
 
Commercial property insurance to help protect your owned or rented building, as well as tools, equipment, inventory and supplies you use to operate your irrigation business. These can include:
 
  • Irrigation pipes and lines
  • Pumps, timers and regulators
  • Hand tools and power tools
  • Specialty machinery
  • Testing equipment
Business income insurance to help replace lost income if you can’t operate your irrigation business temporarily because of property damage caused by fire, theft or wind.
 
At The Hartford, we know that every irrigation business has specific needs. So, we’ve made it easy for you to add other types of insurance to your BOP for well-rounded protection. These options include: 
Don’t Let Setbacks Dry Up Your Business
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How Much Does Irrigation Insurance Cost?

The average costs The Hartford’s small business customers in this industry pay for common irrigation insurance solutions are:**
 
  • BOP: $1,546 a year, or about $129 a month
  • Stand-alone general liability insurance: $1,043 a year, or about $87 a month
  • Workers’ compensation insurance: $1,470 a year, or about $123 a month
It’s important to remember that irrigation insurance costs vary and what you pay may be different than the average. That’s because every business owner has specific needs, and insurers may use several factors to determine rates. The best way to find out how much you’ll pay for insurance is to get a quote.
small business owner happy to get irrigation insurance options for proof of insurance

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Covering Your Operations

Accidents and setbacks can happen when you least expect them — whether it’s a customer slipping and getting injured on a jobsite or an equipment breakdown that causes project delays. The right irrigation insurance helps cover these disruptions, so you can recover quickly and get back to business. 
Slips and falls are the third-most common claim small business owners faced from 2015-2025.1
general liability for irrigation businesses

General Liability Insurance

“During an installation, a customer tripped over some of our equipment and broke her ankle.”
 
General liability helps cover claims that your business caused bodily injury or property damage to someone else.
EPLI for irrigation businesses

Employment Practices Liability Insurance (EPLI)

“One of our new crew members filed a discrimination claim against one of our managers. Arbitration was a long, expensive process.”
 
Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment. It can also help cover third-party claims made by a customer or vendor. This coverage is included in a BOP with The Hartford.

Taking Care of Your Team

From installing systems to maintaining equipment and managing customer relationships, your team is essential to your success. But workplace injuries or employment disputes can create unexpected challenges. The right insurance helps support your employees by covering medical expenses, legal claims and other risks.
Highway crashes that occur on the job cost employers $26,081 per crash and $78,418 per injury.2
workers compensation for irrigation businesses

Workers’ Compensation Insurance

“One of our crew members slipped while installing a system and broke his arm. He needed surgery and was out for over a month.”
 
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
commercial auto liability insurance for irrigation businesses

Commercial Auto Insurance

“One of our workers was heading to a job site when he accidentally rear-ended another car, resulting in medical and repair bills.”
 
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business-owned vehicle for work.

Protecting Your Property

Your irrigation business depends on specialized tools and equipment to get the job done right. But theft, damage or unexpected interruptions can throw a wrench in your operations. The right insurance can help cover repairs or replacement costs for your essential assets, so you can minimize downtime.
On average, a fire department in the U.S. responded to a fire every 23 seconds in 2023.3
commercial property insurance for irrigation businesses

Commercial Property Insurance

“A strong windstorm ripped through town and damaged our storage building, leaving parts of the roof exposed.”
 
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Contractors Equipment Insurance for irrigation businesses

Business Income Insurance

“A fire tore through our warehouse, destroying equipment and shutting us down for two weeks.”
 
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities when your business is unable to operate because of property damage from fire, theft, wind or vandalism.

Frequently Asked Questions About Irrigation Insurance

Irrigation insurance is made up of different coverages and policies that can help protect your business from costly claims, such as a client alleging that a faulty sprinkler system installation led to water damage or an employee getting injured while digging trenches for piping. If your business faces a lawsuit, the right type of insurance can help cover legal fees, settlements and damages, limiting the financial strain. You can get certain insurance coverages to extend protection to your vehicles and expensive irrigation equipment like trenchers, controllers and pumps.
Irrigation insurance helps protect you from the financial impact of property damage and liability claims, which may include costs for expensive repairs, replacements or legal settlements for covered claims. For example, if a customer sues your business after their irrigation system flooded their property and claimed the sprinklers weren’t calibrated correctly, you could be liable for the costs. In this situation, professional liability insurance can help protect your business. Without insurance, these expenses could be financially devastating. Additionally, some states require specific types of coverage to stay compliant with industry regulations.
The best way to get irrigation insurance from The Hartford is to get a quote. We make it easy for you to get a fast and free insurance quote online. In just a few minutes, you can find insurance that meets the needs of your irrigation business. 
company able to do business after getting irrigation insurance quote

Irrigation Insurance To Help You Weather Any Storm

Get the protection you need and be prepared for any challenges that may come your way.
 
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Related Articles

 
 
Last Updated: December 12, 2025
 
1 The Hartford, "Water and Freezing Damage, Burglarly Lead The Hartford’s Top 5 Small Business Claims””
 
2 Traffic Safety Organization, “Cost of Motor Vehicle Crashes to Employers”
 
3 National Fire Protection Association, “Fire Loss in the United States”
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
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The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
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