Landscaper insurance guide
Irrigation contractor insurance
Irrigation work involves digging, plumbing connections, and water, which can cause damage long after the job.
Exposures
- Utility strikes while trenching
- Water damage to foundations and basements from leaks
- Backflow and cross-connection issues
- Trench injuries
Coverage
- General liability with completed operations
- Tools and equipment, including trenchers
- Commercial auto
- Workers' compensation
Prevent claims
Call 811 before every dig, document locates, pressure-test systems, and keep installation records and photos.
Get a irrigation contractor quote.
Frequently asked questions
Is water damage from a failed irrigation fitting covered?
Completed operations coverage typically responds to damage caused by your finished work, subject to policy terms.
What about hitting underground lines?
General liability covers damage to third-party utilities you strike, but always call 811 before digging.
Do irrigation contractors need a license?
Some states and cities license irrigation or backflow work. Check local requirements.
More coverage and guides
- General liability for landscapers
- Workers' compensation for landscapers
- Commercial auto for landscapers
- Tools and equipment coverage
- Insurance for lawn care businesses
- Tree and shrub service insurance
- Irrigation contractor insurance
- Groundskeeping insurance
- Pesticide and herbicide liability
- What affects landscaper insurance cost
- Landscaping crew safety checklist
- Snow removal insurance
- Landscaper insurance application checklist
Last updated October 15, 2026 · How we research