Irrigation & Sprinkler Insurance
Installing and repairing sprinkler systems carries water damage and underground utility risk. Proper insurance is essential.
Get Your Free QuoteCommon Irrigation Insurance Claims
Irrigation work involves water, trenching, and connections to existing plumbing — all high-claim areas for landscapers.
Water Damage
A faulty connection or broken pipe floods a client's basement or crawl space. Claims can reach $20,000–$50,000+.
Underground Utility Strikes
Trenching for new lines can hit gas, electric, or fiber optic utilities. GL covers the repair costs.
Property Damage
Digging damages driveways, foundations, or existing landscaping. Restoration costs add up quickly.
System Failure After Install
A system you installed leaks months later and damages the property. Completed operations coverage handles this.
What Coverage Do Irrigation Contractors Need?
- General Liability — covers property damage and bodily injury from your irrigation work
- Completed Operations — critical for irrigation since leaks and failures often appear weeks or months after install
- Workers' Comp — trenching and pipe work are physically demanding with injury risk
- Commercial Auto — if you haul pipe, fittings, and trenching equipment to job sites
Some states require a separate plumbing or irrigation contractor license for sprinkler work. Make sure your insurance matches your license classification.
Learn more about general liability coverage →Get Irrigation Coverage That Works
We match irrigation contractors with carriers that properly cover water damage and underground work.
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