Zakelijk • Verkeer • Werkmaterieel • Spraying/spraying machine
Insuring spraying and spraying machines (insurance)
Insure damage that you cause to others with your work equipment, and damage to your own work equipment with work equipment insurance.
A spraying or spraying machine insurance (for example field sprayer, tree spray or self-propelled sprayer) provides essential protection against injury, theft and accidents. In Arable farming, loonwerk en groenbeheer worden spuitmachines intensief ingezet. Daardoor ontstaan risico’s zoals collision, fall over, damage to the spray boom, pump/pipes, electronics and GPS systems.
You are usually insured with work equipment insurance liability (WA) and you can expand this with fire/theft and hull/all-risk for damage to your own machine (depending on the policy).
Coverage, maximums and exclusions always follow the policy conditions.
Spraying machine insurance in brief
You insure your spraying or spraying machine if: Work equipment. Minimal is often WA gewenst voor injury aan derden. Voor injury aan de machine zelf kiest u aanvullende dekking zoals fire/theft and hull/all-risk.
When do entrepreneurs often choose comprehensive/all-risk?
- in case of high (replacement) value or financing/lease;
- with intensive use and frequent movements;
- if you also want to insure damage due to collision/fall and tree damage (depending on the policy).
Premium and acceptance depend on type (trailed/self-propelled), value, security and damage history.
What is spraying and spraying machine insurance (work equipment insurance)?
Purpose of the insurance
With a spraying/spraying machine insurance you cover the financial risk of (1) Liability voor injury aan derden en (2) – afhankelijk van de dekking – damage to your own machine.
Why specifically for work equipment?
Schades met agrarisch werkmaterieel kunnen groot zijn door gewicht, brede spuitbomen en inzet rond derden. Daarom is een specifieke werkmaterieeldekking vaak passend, bovenop algemene Corporate liability.
The exact insurance required depends on deployment, locations and type of machine.
Applications: where do you use the sprayer?
Arable farming
- field spraying (crop protection)
- work with wide spray booms
- risk of tree damage and collision
Contract work
- deployment at third parties (many locations)
- more transport and traffic moments
- acceptance: instruction and damage history relevant
Green management & grounds
- management along roads/sites
- working close to objects/third parties
- risk of impact and transport damage
Third party use
Wordt de machine door meerdere (wisselende) bestuurders gebruikt? Vermeld dit bij de aanvraag. Verzekeraars kunnen aanvullende Conditions stellen.
Coverage: third party liability, fire/theft and hull/all risk
WA (liability)
- damage to third parties (objects, vehicles, buildings)
- injury to third parties (policy dependent)
- important for contract work and working near third parties
Fire & theft
- fire, theft (and attempted), vandalism (policy dependent)
- relevant for outdoor storage and seasonal storage
- prevention requirements may apply (storage/tracking)
Casco / All risk
- damage due to collision/fall and tree damage (policy dependent)
- often desirable for high values or wide spray booms
- pay attention to deductible and exclusions (wear and tear/gradual)
Comparison checklist
| Point of comparison | Why important | What to pay attention to |
|---|---|---|
| Spray boom damage | Breakage/collision is expensive and does happen. | Maximums, deductible and definition of “tree damage” (policy dependent). |
| Electronics/GPS | Control and section closure are valuable. | Co-insured? Coverage for electronics (policy dependent). |
| Transportation | Damage during loading/unloading or moving. | Co-insured? Own transport vs carrier; lashing/loading conditions. |
| Own risk | Affects premium and your risk. | Deviating deductibles in the event of theft may occur. |
| Exclusions | Prevents surprises in the event of a claim. | Wear and tear, lack of maintenance, intent, gradual damage. |
Policy conditions are leading; have specific commitment confirmed in writing.
Useful: Coverage for work equipment insurance • Frequently asked questions about work equipment
Damage risks with spraying and spraying machines
Tree damage & collision
Spuitbomen steken breed uit en zijn gevoelig voor collision met palen, bomen of obstakels. WA dekt schade aan derden (polisafhankelijk); casco kan eigen schade dekken.
Falling over/tilting
Onstabiele ondergrond, slootranden en hellingen kunnen leiden tot kantelen. hull/all-risk is vaak de belangrijkste dekking voor dit scenario.
Technology (pump/pipes/electronics)
Pompen, leidingen, filters en elektronica kunnen beschadigen. Slijtage is meestal uitgesloten, maar plotselinge injury kan (polisafhankelijk) onder casco vallen.
Accessories and equipment: GPS, section closure, caps and sensors
Common equipment
- GPS / RTK, section closure, flow measurement
- spray nozzles and nozzle holders (context)
- filters, pump(s), mixing installation
- electronics/control computer
- tree protection and lighting
Not every accessory is insured as standard. Ask about maximums and conditions.
Prevent underinsurance
- specify options and (new) value in the quotation
- save invoices, take photos and record serial numbers
- update the policy with upgrades (GPS/electronics)
Transport: moving between plots and projects
Where does transport damage occur?
- transport to plots/customers
- collision with obstacles (width/height)
- loading/unloading on trailer or low loader (if applicable)
- temporary storage en route or on location
This way you speed up processing
- photos before/after transport and upon transfer
- document damage immediately (time/place/witnesses)
- record agreements with the transporter (liability)
- report damage quickly and keep transport documents
Transport coverage is policy dependent; please agree on this with the application.
Premium: what does the price depend on?
Most important factors
- type (self-propelled/towed) and insured value
- coverage (third party liability, fire/theft, comprehensive/all risk) and deductible
- input: arable farming/contract work, locations and movements
- storage/security and prevention
- claims history and number of drivers
Compare wisely
- compare conditions, maximums and exclusions
- check tree damage, electronics and transportation
- choose your deductible according to your damage risk
- Have your efforts (contract work) recorded in writing
Public roads: when is extra attention needed?
Situation dependent
Spuitmachines worden vaak verplaatst tussen percelen. Soms is er (frequente) verplaatsing over de openbare weg. De Insurancesbehoefte kan dan anders uitpakken.
Always state this when applying so that coverage is arranged correctly.
Practical points of interest
- width/protruding parts (spray boom folded)
- lighting/warning signage
- route choice and times (busyness)
- driver instruction and road safety
Prevention: this is how you limit damage and improve acceptance
Safe deployment
- tree safety and obstacle awareness
- driving routes and speed limits
- working in wind: drift reduction (context)
Maintenance
- periodic inspection of hoses/filters
- Check pump and pipes for leaks
- document maintenance and repairs
Storage & theft
- lockable storage where possible
- key management and registration
- tracking/GPS (if required)
Checklist: apply for sprinkler/spraying machine insurance in 10 minutes
1) Machine data
- make/type, year of construction
- serial number(s)
- type (self-propelled/trailed)
- value (new value/current value)
2) Uses & locations
- arable farming/contract work/green management
- frequency displacement (public road)
- project locations and site conditions
- directors (number/experience)
3) Coverage & accessories
- WA + possibly fire/theft
- hull/all-risk desirable?
- Specify GPS/electronics and tree options
- choose an appropriate deductible
Overview of work equipment (objects)
Specialist in the field of work equipment insurance.
More objects
Also relevant
- Scissor lift
- Shovel
- Spraying/spraying machine
- Tractor
- Sweeper/Scrubber
More: Telehandler, Sales cart, Food truck.
Brand of work equipment
Which brand belongs to your work equipment:
Who we compare
We compare insurers/underwriters for work equipment. The actual comparison is situation dependent.
Frequently mentioned parties (selection)
- NN
- Nh1816
- a.s.r.
- Turiand & Co
- Cloverleaf
- Uniguarantee
- The Gouda
- Allianz
- Achmea
- Chubb
And several other parties, depending on the object, commitment and acceptance.
Complete list (as shown)
Show full list
- NN • Nh1816 • a.s.r. • Turiand • Assicuro • Hiscox • Hiandfeld • Aegon • Voogd • Surebusiness
- OOM • Cloverleaf • Unigarant • Noorderlinge • De Goudse • APC Holland • Driessen Assuradeuren • Ansvar Idea • Avéro Achmea • Ecclesia
- Allianz • Anker Insurance • DAS • ARAG • Achmea • Bovemij • Chubb • Rhion • Markel • MS Amlin • Upiva • Aon • CZ • ONVZ
Frequently asked questions about spraying and spraying machine insurance
What is spraying/spraying machine insurance?
Spraying or spraying machine insurance usually falls under work equipment insurance. This usually insures liability (WA) for damage to third parties and can be expanded to include fire/theft and comprehensive/all risk for damage to the machine itself.
Is airframe/all-risk necessary for a field sprayer or self-propelled sprayer?
Not always, but often in case of high value, contract work (many locations) or if you also want to insure damage due to collision/fall and tree damage. WA only covers damage to third parties.
Is damage to the spray boom included in the insurance?
That depends on the policy. Spray booms are expensive and sensitive to breakage/collision. Ask about maximums, deductibles and the definition of tree damage.
Are GPS and electronics (section closure/control) included in the insurance?
This is policy dependent. Explicitly include valuable electronics and upgrades in the quote to avoid underinsurance.
What if the sprayer drives (regularly) on public roads?
This is situation dependent. Always report this when applying so that coverage is arranged correctly.
What prevention requirements apply in the event of theft?
This varies per insurer. Consider storage, locks, key management and possibly tracking/GPS. Failure to comply may affect acceptance or payment.
What information do I need for a quote?
Usually: make/type, year of manufacture, serial number(s), type (self-propelled/pulled), value, use (arable farming/contract work), locations, transport/road use, storage/security and desired coverage (third party liability, fire/theft, hull/all risk) plus accessories (GPS/electronics).
Insure a spraying or spraying machine? Request a work equipment quote
Start de offerte-aanvraag en ontvang een voorstel dat past bij uw spuitmachine, inzet (arable farming/contract work/green management) en risicoprofiel. Wij helpen u graag met dekking, voorwaarden en acceptatie.
Direct contact: call 072 – 509 24 56 or email to info@finassverzekert.nl.
