What Kind of Insurance Do I Need For a Lawn Irrigation Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- 3 days ago
- 2 min read
Starting or running a lawn irrigation business comes with exciting opportunities—but also unique risks. From working with underground utilities to operating heavy equipment on client properties, it’s essential to have the right insurance coverage to protect your business from unexpected liabilities.
At Wexford Insurance, we specialize in helping niche service businesses like yours including lawn irrigation, get tailored insurance solutions that match your operations.
Why Insurance Matters in Lawn Irrigation
Lawn irrigation professionals face several risks:
Accidental damage to underground utilities
Property damage during installation
Injuries to employees or third parties
Theft or damage to expensive equipment
Auto accidents while traveling to job sites
Without proper insurance, these incidents can lead to costly lawsuits, downtime, and financial loss. That’s why having a comprehensive insurance plan is not just smart—it’s essential.
Essential Insurance Coverage for Lawn Irrigation Businesses
Here are the key types of insurance every lawn irrigation business should consider:
Protects your business if you cause property damage or bodily injury to a third party. For example, if a sprinkler system installation damages a customer’s foundation, this coverage helps pay for repairs and legal costs.
Covers your irrigation tools and machinery against theft, loss, or damage—whether on the job site or in transit. This is crucial for protecting trenchers, pipe cutters, and smart controllers.
🔗 Link to Hunter Industries for equipment resources.
Required in most states if you have employees. It covers medical expenses and lost wages if a worker is injured while installing or repairing irrigation systems.
🔗 Link to SBA.gov
If you use vehicles to transport equipment or travel to job sites, this coverage protects against accidents, vehicle damage, and liability claims.
Custom Coverage with Wexford Insurance
At Wexford Insurance, we understand the specific needs of lawn irrigation businesses. We work with top-rated carriers to build insurance programs that cover your risks without overpaying for unnecessary coverage.
👉 Get Contact Us today and let us help you protect your business from the ground up.
