Lawn Irrigation Sprinkler System Installation Insurance Policy Information
Lawn Irrigation Sprinkler System Installation Insurance. As a lawn sprinkler irrigation contractor, you try your best to make sure that your business operates as smoothly as possible. However, despite your best efforts, like any other business owner, you face a number of risks.
All it takes is one mishap and you could potentially lose everything you have worked so hard to establish. If a customer trips and falls over a sprinkler head and gets injured, or the system malfunctions or leaks causing property damage - you could face big claims.
To safeguard your business from the unexpected, invest in lawn irrigation sprinkler system installation insurance policies that are specifically intended for lawn sprinkler irrigation contractors.
Lawn irrigation sprinkler system installation insurance protects your sprinkler system business from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.
Below are some answers to commonly asked lawn irrigation and sprinkler system installation insurance questions:
- What Is Lawn Irrigation Sprinkler System Installers Insurance?
- How Much Does Lawn Irrigation Sprinkler System Installers Insurance Cost?
- Why Do Lawn Irrigation Sprinkler System Installation Contractors Need Insurance?
- What Type Of Insurance Do Lawn Irrigation Sprinkler System Installation Contractors Need?
- What Are Lawn Sprinkler System Contractors Risks & Exposures?
- What Does Lawn Irrigation Sprinkler System Installation Contractors Insurance Cover & Pay For?
What Is Lawn Irrigation Sprinkler System Installers Insurance?
Lawn irrigation sprinkler system installers insurance is a type of insurance that protects businesses that install, repair, and maintain lawn irrigation systems. This insurance typically covers damages or injuries that occur on the job, such as damage to property or bodily injury to workers or customers.
It may also cover the cost of liability lawsuits, lost income, and business interruption. This insurance is typically required for businesses that offer these services, and it is important for them to have in order to protect themselves and their clients from financial losses.
How Much Does Lawn Irrigation Sprinkler System Installers Insurance Cost?
The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small custom deck builders ranges from $47 to $59 per month based on location, size, payroll, sales and experience.
Why Do Lawn Irrigation Sprinkler System Installation Contractors Need Insurance?
Lawn irrigation sprinkler system installers need insurance for several reasons:
Firstly, installing a sprinkler system involves working with electricity, water, and heavy machinery, which carries a risk of injury or damage. Insurance can protect the installer from financial losses due to accidents or injuries that occur on the job.
Secondly, sprinkler system installation involves working on other people's property, which means that the installer can be held liable for any damages caused during the installation process. Insurance can cover the costs of damages, legal fees, and settlement costs if a customer files a claim against the installer.
Thirdly, installing sprinkler systems requires specialized knowledge and skills. If an installer makes a mistake during the installation process, it can result in costly repairs or replacements. Insurance can provide coverage for these costs, protecting the installer's business from financial losses.
Overall, lawn irrigation sprinkler system installation insurance is crucial as it helps to protect them and their businesses from financial losses due to accidents, injuries, and damages. Without insurance, installers may have to bear the full cost of any losses, which can be financially devastating.
What Type Of Insurance Do Lawn Irrigation Sprinkler System Installation Contractors Need?
The specific type of lawn irrigation sprinkler system installation insurance coverage you'll need depends on where in your business is located, the size of your operation, and other specific factors that pertain to your business. However, there are certain policies that every lawn irrigation contractor should carry, regardless of the specifics of their company. Examples of must-have coverages include:
- Commercial General Liability - This coverage protects you from third-party property damage and liability claims. For example, if a client claims you damaged their property while installing a sprinkler system or a vendor trips and falls while making a deliver at your office, commercial general liability insurance will help to cover the cost of litigation, as well as any damages you may have to pay.
- Commercial Property - To protect your office and the contents within it from acts of nature and vandalism, you'll need to invest in commercial property insurance. This type of coverage will cover the cost of damages that are associated with things like fire, break-ins, and more.
- Workers' Compensation - This coverage protects any employees that you have on-staff, such as technicians and office associates from work-related injuries. It covers the cost of medical bills and lost wages, should an employee get injured on the job.
- Inland Marine - To protect tools and equipment when they're not at your commercial space, you'll need marine inland. This policy will pay for any items that are lost, stolen, or damaged when they're in-transit or at a job site.
- Commercial Auto - Even if you have your own auto insurance policy, you'll need to invest in commercial auto, as your own personal policy probably won't cover accidents involving vehicles that are used for work-related purposes.
These are just a few examples of some of the lawn irrigation sprinkler system installation insurance policies you'll want to invest in. You might need additional coverage based on your specific operations.
What Are Lawn Sprinkler System Contractors Risks & Exposures
Premises liability exposures at the contractor's shop or office are generally limited due to lack of public access. If there are retail sales, customers may slip, trip or fall while on the premises. Outdoor storage may present vandalism and attractive nuisance hazards.
Off-premises exposures are extensive. Lawn irrigation work can be invasive, resulting in a high potential for property damage. The area of operation should be restricted by barriers and proper signage to protect the public from slips and falls over tools, power cords, building materials, and scrap. Plumbers can damage customers' premises when removing old plumbing and piping and installing new. Welding presents potential for burns or setting the property of others on fire if not conducted safely.
Personal injury exposures include assault and battery and invasion of privacy. Background checks should be conducted for any employee who will have regular contact with customers. The use of subcontractors as well as any contractual liability exposures should be examined.
Completed operations liability exposures can occur if the plumbing or piping is not properly installed, resulting in leaks or water damage. Bacteria from leaking sewage connections can cause illness, as well as substantial property damage from hidden mold and fungus.
In larger jobs, such as lawn sprinkler installation, accidental discharge or the failure of the system to operate properly represents a potentially catastrophic exposure from water damage or fire.
Workers compensation exposures vary based on the size and nature of the job. Cuts, scrapes and even amputations from cutting tools may occur and become infected from contaminated materials or sewage. Back injuries, hernias, strains, sprains can result from lifting. Burns from welding operations can occur both at the yard site and job site. Welding should be conducted in well-ventilated areas to reduce the exposure to injury from fire, fumes, and vapors which can cause eye, skin, and lung irritations.
If the contractor does any excavation to connect to utilities or to install sprinklers and irrigation systems, bodily injury can result from digging and trenching. When work is done on ladders and scaffolds, there is a potential for severe injury or death from falling, being struck by falling objects, or adverse weather conditions. The absence of good maintenance of scaffolds, proper use of basic safety equipment, and strict enforcement of safety practices may indicate a morale hazard.
Property exposures may be limited to an office only or include retail sales, shop operations and a yard for storage. If the contractor constructs their own piping, the potential for fire or explosion increases due to sparks and flames produced by the welding process and storage of gas cylinders on premises. Welding involves the use of tanks of gases that must be stored and handled properly to avoid loss.
There should be basic controls such as chained storage in a cool area and the separation of welding operations either in a separate room or with flash/welding curtains away from flammables. PVC piping may release toxic fumes should a fire occur. Plastic piping typically uses adhesives that contain a flammable solvent. Handling and storage of flammables need good controls. If repair work on vehicles and equipment is done in the building, fire hazards may be much higher.
Crime exposure is primarily from employee dishonesty. Background checks, including criminal history, should be performed on all employees providing services to customers or handling money. All ordering, billing and disbursement should be handled as separate duties with reconciliations occurring regularly. Theft can be a high exposure if inventories of valuable metals, such as copper or brass, are stored.
Inland marine exposures include accounts receivable if the lawn irrigation contractor offers credit to customers, computers, contractors' equipment, goods in transit, installation floater, and valuable papers and records for customers' and suppliers' information. Contractors' equipment includes employees' tools and equipment that may be rented, leased or borrowed from others for specific jobs.
The goods in transit exposure includes supplies (adhesives, caulking, welding tanks) and materials to be installed. Hazards in transit include shifting and oversized loads. Improper loading or inadequate tie down poses a serious loss potential. Oversized loads can be damaged by collision. Equipment at a job site can be damaged by drops from heights, weather damage, or by vehicles. Equipment and supplies left at job sites are subject to theft and vandalism.
Commercial auto exposures include the transportation of workers, equipment and materials to and from job sites. All drivers must be well trained and have valid licenses for the type of vehicle being driven. MVRs must be run on a regular basis. Random drug and alcohol testing should be conducted. Vehicles must be well maintained with records kept in a central location.
What Does Lawn Irrigation Sprinkler System Installation Contractors Insurance Cover & Pay For?
Lawn irrigation sprinkler system installation contractors may face legal action for various reasons, such as:
- Property Damage: If the sprinkler system installation causes damage to a client's property, the contractor could be sued for the cost of repairs or replacement. For example, if the installation causes flooding or damage to landscaping.
- Personal Injury: If someone is injured due to a faulty sprinkler system installation, the contractor could be held liable. For instance, if someone trips over a sprinkler head or is hit by a sprinkler head that malfunctions.
- Breach of Contract: If the contractor fails to deliver on the terms of the contract, the client could sue for breach of contract. For example, if the contractor fails to complete the job as agreed upon or uses substandard materials.
- Negligence: If the contractor fails to exercise reasonable care in the installation process, they could be sued for negligence. For example, if they fail to properly secure the system or fail to follow safety guidelines.
Insurance can help protect lawn irrigation sprinkler system installation contractors from legal action by covering the costs of lawsuits or claims made against them. The types of insurance that can be used to protect contractors include:
General Liability Insurance: This type of insurance covers property damage and bodily injury claims made against the contractor. If a contractor is sued for property damage or personal injury resulting from the installation of a sprinkler system, their general liability insurance could cover the costs of the lawsuit.
Professional Liability Insurance: This type of insurance covers claims made against the contractor for errors and omissions in their work. If a contractor is sued for breach of contract or negligence, their professional liability insurance could cover the costs of the lawsuit.
Workers' Compensation Insurance: This type of insurance covers the costs of medical expenses and lost wages if an employee is injured on the job. If a worker is injured during the installation of a sprinkler system, workers' compensation insurance could cover the costs of their medical treatment and any lost wages.
Overall, insurance can help lawn irrigation sprinkler system installation contractors by providing financial protection in the event of a lawsuit or claim.
Commercial Insurance And Business Industry Classification
- SIC CODE: 1711 Plumbing, Heating and Air Conditioning
- NAICS CODE: 238220 Plumbing, Heating, and Air-Conditioning Contractors
- Suggested Workers Compensation Code(s): 5183 Plumbing NOC & Drivers
Description for 1711: Plumbing, Heating and Air-Conditioning
Division C: Construction | Major Group 17: Construction Special Trade Contractors| Industry Group 171: Plumbing, Heating And Air-conditioning
1711 Plumbing, Heating and Air-Conditioning: Special trade contractors primarily engaged in plumbing, heating, air-conditioning, and similar work. Sheet metal work performed by plumbing, heating, and air-conditioning contractors in conjunction with the installation of plumbing, heating, and air-conditioning equipment is included here.
- Air system balancing and testing-contractors
- Air-conditioning, with or without sheet metal work-contractors
- Boiler erection and installation-contractors
- Drainage system installation, cesspool and septic tank-contractors
- Dry well construction, cesspool-contractors
- Fuel oil burner installation and servicing-contractors
- Furnace repair-contractors
- Gas line hookup-contractors
- Heating equipment installation-contractors
- Heating, with or without sheet metal work-contractors
- Lawn sprinkler system installation-contractors
- Mechanical contractors
- Piping, plumbing-contractors
- Plumbing and heating-contractors
- Plumbing repair-contractors
- Plumbing, with or without sheet metal work-contractors
- Refrigeration and freezer work-contractors
- Sewer hookups and connections for buildings-contractors
- Sheet metal work combined with heating
- Solar heating apparatus-contractors
- Sprinkler system installation-contractors
- Steam fitting-contractors
- Sump pump installation and servicing-contractors
- Ventilating work, with or without sheet metal work-contractors
- Water pump installation and servicing-contractors
- Water system balancing and testing-contractors
Lawn Irrigation Sprinkler System Installation Insurance - The Bottom Line
To find out about any additional forms of lawn irrigation sprinkler system installation insurance you should carry, consult with an broker that specializes in commercial insurance. Together, you can discuss the policies that will best protect your livelihood, as well as the amount of coverage you should invest in for each policy. You never know when something unexpected is going to happen.
By investing in the right type of lawn irrigation business insurance, you'll be protected from the unexpected.
Additional Resources For Contractors & Home Improvement Insurance
Learn about small business contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your contracting business from lawsuits.
- Air Conditioning Systems Installation Repair
- Appliance Repair & Service
- Blacksmith & Metal Workers
- Boat Repair & Dry Docks
- Boiler Contractors
- Builders Risk
- Building Cleaning & Maintenance Services
- Cabinet Installer
- Cable And Satellite TV Installer
- Chimney Sweep
- Cistern Contractors
- Contractor Liability
- Curtain Cleaners
- Deck Builders
- Door And Window Installers
- Dryer Vent Cleaning
- Drywall Contractor
- Electrical Contractors
- Environmental Remediation Contractors
- Fence Installation
- Fire Sprinkler Contractors
- Fire & Water Restoration Contractors
- Flooring Contractor
- Furniture Repair
- Garage Door Installer And Repair
- General Contractors
- Glass Contractor
- Glazier Insurance
- Gutter Installation And Repair
- House Cleaning
- HVAC Contractor
- Insulation Contractor
- Janitorial Cleaning Services
- Lawn Care
- Lawn Irrigation Sprinkler System Installation
- Oil And Gas Well Drilling Contractors
- Paperhanging Contractors
- Plastering And Stucco Contractor
- Pressure Washing Contractors
- Propane And Fuel Dealers
- Rug, Upholstery & Carpet Cleaning
- Sandblasting Contractors
- Security Alarm
- Septic Tank Cleaning
- Siding Contractor
- Sign Installation & Repair
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Surety Bonds
- Swimming Pool Contractor
- Swimming Pool Service And Maintenance
- Tank Cleaners
- Tool Grinding And Repair
- Tree Surgeon
- Tree Trimming
- Upholstery Shop
- Waste Haulers & Garbage Collection
- Water Well Drilling
- Welding Contractor
- Wildlife & Pest Control
- Window Cleaning
- Specialty Contractors
The contracting industry is a field that involves a lot of risks, both for the contractor and for the clients they work for. This is why commercial insurance is so important for contractors. Insurance can protect contractors from a variety of potential losses, such as:
Liability: If a contractor causes damage to a client's property or if a client is injured while on a job site, the contractor could be held legally responsible. Liability insurance can cover legal fees and any settlements or judgments that may be awarded.
Property damage: Contractors often use a lot of expensive equipment and tools, and there is always a risk that this equipment could be damaged or stolen. Commercial property insurance can help cover the cost of replacing damaged or stolen equipment.
Business interruption: If a contractor is unable to work due to an unforeseen event, such as a natural disaster, insurance can help cover their lost income during this time.
Workers compensation: If a contractor or one of their employees is injured on the job, worker's comp can help cover medical expenses and lost wages.
Overall, commercial insurance is an important risk management tool for contractors. It can provide financial protection against a wide range of potential losses, helping contractors to stay in business and continue serving their clients.
Minimum recommended small business insurance coverage: Business Personal Property, Employee Dishonesty, Contractors' Equipment and Tools, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability and Physical Damage, Hired and Non-owned Auto & Workers Compensation.
Other commercial insurance policies to consider: Building, Business Income with Extra Expense, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivable, Builders Risk, Computers, Goods in Transit, Installation Floater, Valuable Papers and Records, Cyber Liability, Employment-related Practicesand Stop Gap Liability.