Report a claimGet a certificateMake a changeLog in
riza
802-GOT-RIZAget started
Illustrated open road with a tall office building, a purple irrigation controller on its wall and sprinklers running on the lawn on one side, and a tall tree over a pickup towing a trencher and PVC pipe on the other

Irrigation contractor insurance

water the
whole campus.

Liability, comp, trucks and trenchers for irrigation crews growing from front yards into HOAs, parks and commercial sites.

get started

MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

a bad day on
the job, covered.

A cut line, a cave‑in, a stolen trencher. Tap around to see which policy steps in.

Illustrated cross-section of a commercial lawn with a trencher that has split a buried water main and flooded the flower beds, a collapsed trench with a shovel and tipped wheelbarrow beside a purple utility locator, and a pickup whose trailer has backed into a brick wall, a cut chain hanging where a trencher was

general liability

The trencher splits a buried water main

Damage to the property and the lines under it.

workers’ comp

An installer is hurt when the trench caves in

Medical bills and lost wages.

commercial auto

The trailer backs into the property’s wall

Damage you cause on the road and on site.

tools and equipment

The trencher gets cut loose overnight

Trenchers, locators and tools, on the job or on the road.

general liability

The trencher splits a buried water main

Damage to the property and the lines under it.

Examples. Your policy sets the details.

the work changes
what we check.

Service routes, new systems and bigger water contracts carry different risks. Pick yours.

Service and maintenance

Routes across occupied properties.

We check the residential and commercial mix, winterization and pump work, and how damage to the customer’s landscaping is treated.

we check first: Damage to customer landscaping. Illustrated open valve box in the lawn with three solenoid valves and wiring, a sprinkler head spraying, spare heads, a trowel and a purple valve tester

irrigation businesses
usually carry.

Put them on one program and we shop them together at every renewal.

hit a line?
make one call.

We file it, get an adjuster on it and follow up until it’s closed.

  1. 1. Call us from the job

    Tell us what happened and send a few photos.

  2. 2. We file it

    Photos, notes and the customer’s details go to the carrier.

  3. 3. We push it through

    Repairs, the customer’s claim and your payout, followed to the end.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Greenline Irrigation

your options

$13,900a year, 4 policies

3 options, same coverage

Option A$13,900

Option B$15,400

Option C$16,800

6 installers4 trucksLas Vegas, NVClean records
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

get started

guides
irrigation crews ask for.

Each coverage under an irrigation job, in plain English.

growing by
acquisition?

Buying another irrigation shop, backed by private equity or getting ready to sell? We cover the deal and the company you’re building.

good to know.

Straight answers about irrigation contractor insurance.

What insurance does an irrigation business need?
Most irrigation contractors carry general liability, workers’ comp once they have employees, commercial auto for trucks and trailers, and tools coverage for trenchers and locators. Property managers and municipal contracts often ask for proof of liability before excavation begins. What fits depends on your work, your crew and your contracts.
Does general liability cover a buried line the crew cuts?
It can cover damage to someone else’s property, including utility lines, pavement or landscaping your work damages, subject to the policy’s terms. Some policies limit underground damage, so how you locate utilities and what the wording says about excavation both matter. The details are worth reading closely.
What affects the price of irrigation insurance?
Mainly installation versus service, trenching and boring, trench depth, how you locate buried utilities, pumps and wells, reclaimed water, payroll, trucks and mobile equipment. Limits, deductibles and claims history move it too. We compare limits and exclusions alongside the premium, so you compare more than the payment.
Why do trenching and underground utilities matter for irrigation insurance?
Installing or replacing irrigation lines can damage buried utilities, landscaping, pavement, foundations or other property. Carriers want to know trench depth, whether you bore, how you locate utilities, what you subcontract, and how much work happens around existing structures, so the policy matches the job the crew actually does.

Insurance words, in plain English: certificate of insurance · additional insured · waiver of subrogation · class code · premium audit · uninsured subcontractor charge

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA