Sprinkler & Irrigation Installation Insurance
Coverage for sprinkler and irrigation installers who trench across yards and connect into a property's existing lines and utilities.
What this coverage is intended to address
- ✓Property damage that may arise when trenching or boring strikes a buried utility, cable, or water line
- ✓Third-party bodily injury that may occur around open trenches or operating equipment
- ✓Trenchers, boring tools, and irrigation components in transit or on site, when scheduled on the policy
Coverage products commonly considered
Most sprinkler & irrigation installation operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A trencher cuts through a buried fiber line while running an irrigation loop — general liability is intended to respond in the event of a covered claim.
- An open trench is left uncovered overnight and a visitor steps into it and alleges an injury. An allegation of this kind is generally intended to be addressed under the liability coverage.
Frequently asked questions
Does this account for hitting an underground utility while trenching?
Striking a buried line is the signature irrigation-install exposure. General liability is generally intended to respond to resulting third-party property damage, though buried-utility terms vary by carrier and state. Confirm before locating and digging.
Is my trenching equipment included?
Trenchers and boring tools are typically handled as tools and equipment (inland marine) and may be scheduled on the policy. Coverage varies by carrier.
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