You and your employees spend your days digging trenches in people’s yards to install sprinkler systems. You’re an expert about soil and grass, and you strive to help people get their lawns green and healthy while also conserving water as much as possible. Irrigation takes expertise, so you know all about testing water pressure and problem-solving – you know how to irrigate lawns of houses that have low water pressure and high water pressure. You can size up a lawn and figure out how many sprinkler heads are needed, and you work hard to make sure that the lawn will be properly watered. Your clients count on your knowledge to help them get the lawn of their dreams. But to make sure that your business is protected from all of the risks that you could encounter in the trenches (pun somewhat intended) you need to know that you have the right insurance.
Our team here at Skyscraper insurance can help you design a customized irrigation insurance policy that will protect your business from the risks that you face every day. We know that each business is different and faces different perils, so we’ll make sure that you don’t have any gaps in your coverage that could leave you open to a big loss.
General Liability Insurance
This protects you against any unintentional harm that you might cause to a third party (like a client) or their property. It will also help cover legal costs if someone wants to sue you for bringing them harm.
Workers’ Comp Insurance
Workers’ comp helps you protect your workers if they get injured or sick on the job. It will cover their medical expenses and reimburse them for part of their lost wages.
Property Insurance
Property insurance will cover your office or premises against losses such as fire or burglary.
There’s a lot of prior planning that comes into play before an underground sprinkler system can be put in place. Measurements need to be taken, soil samples need to be collected and options need to be weighed against each other and sorted through. According to Lowes, a list of tasks needs to be completed before sprinkler installation can take place, either by yourself or a professional that was hired.
See if a building permit is needed for your location. Digging without a permit could lead to legal ramifications from the local authorities.
Contact a specialist to identify where your utility lines are located to avoid any damage. Before doing as much as digging a small hole in your backyard, you’ll have to make sure you don’t risk breaching any pipes or power lines, which could be costly for both you and the surrounding community. Also, do your research to find out if there are any local watering ordinances or regulations that require this type of work to be done by a professional.
Specific details about the water supply will also have to be checked before any construction begins, like the following:
- The size of the water meter or well pump your property uses
- The water pressure in pounds per square inch and water flow rate in gallons per minute
- The size of the water service line