IrrigationPro is a specialty insurance program designed specifically for contractors providing irrigation and pesticide application for lawns, crops, and golf courses. Managed under NIP’s popular SitePro program, IrrigationPro is one of the most comprehensive insurance solutions available for commercial irrigation contractors within the continental United States. IrrigationPro offers competitive pricing for businesses of all sizes, from small contractors (with minimum premiums as low as $25,000) to larger operations. We provide your clients with the coverage they need, at a price they’ll appreciate!

Program Highlights

  • Industry experts for risk control guidance and proper valuation of your client’s operations, property and equipment
  • ISO-Based Program
  • Carrier Rated “A” (Excellent, Company Size X) by A.M. Best
  • Currently write in all states, except AK, HI, ID, MT, and ND
  • Accounts rated off payroll (and sub costs, where applicable)
  • Competitive Rates
  • Superior Customer Service and Expert Claims Handling
  • Flexible Payment Plans

Eligible Exposures

  • Sprinkler and Irrigation Installation and Repair
  • Pesticide Applicators (non-aerial)
  • Excavations
  • Site Preparation
  • Land Improvement and Grading

Ineligible Exposures

  • One-Person Operations
  • Accounts subcontracting more than 40% of their work
  • Accounts performing work as General Contractor or Paper Contractor
  • Environmental remediation/abatement contractors
  • NYC 5 Boroughs

Minimum Package Premium

  • $25,000

Lines of Business

  • General Liability – Premises and Operations (limits up to $1M per occurrence/$2M aggregate, $2M products/completed operations aggregate)
  • Auto Liability& Physical Damage – ($1M combined single limit)
  • Property – (limits up to $3M total insured value)
  • Inland Marine (limits up to $3M)
  • Umbrella Liability
  • Workers’ Compensation (Statutory Limits)

Special Coverages

  • Blanket additional insured
  • Per-project aggregate
  • Blanket waiver of rights
  • Employee benefits liability
  • Limited jobsite pollution liability
  • Employment Practices Liability Insurance (EPLI)

Minimum Premium

  • $5,000 (General Liability)

Submission Requirements

  • Completed and signed ACORD applications and NIP IrrigationPro Supplemental
  • Complete description of operations
  • 3 years plus 1 current year of currently valued, hard copy loss runs for all lines of business being requested
  • MVRs for all drivers of company vehicles (if auto coverage requested)
  • Workers Compensation: Description of safety initiatives, hiring practices, return-to-work and drug testing programs; Experience Modification Worksheet and 3-5 year history (if available)
NIP Group, Inc. 900 Route 9 North | Suite 503 | Woodbridge, NJ 07095-1003 | 800.446.7647