Your private water treatment plant will need to have adequate coverage, not only as protection but also as a means to generate more revenues.
Cities, municipalities, and private organizations will check if you have a minimum amount of insurance coverage before giving a water treatment project.
A water treatment business insurance program allows you to satisfy the insurance requirements of clients without compromising the needs of your business.
Water treatment contracts will require you to get liability insurance. The types of water treatment liability insurance are general liability, professional liability, product liability, and pollution liability.
| CoverWallet | NEXT (Best) | WaterColor | |
|---|---|---|---|
| Per occurrence limit | $1,000,000 | $300,000/$1,000,000 | $1,000,000/$3,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$3,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $100,000 | $100,000 | $100,000 |
| Waiver of subrogation included? | Yes | No | Included |
| Hired/non-owned auto liability coverage included? | Yes | No | $1,000,000 |
| Equipment breakdown floater included? | No | Yes | Yes |
| Can you get a certificate of insurance online? | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 |
Equipment breakdown, structural failure, and other accidents can happen in your water treatment facility. If this results in injuries or property damage, affected third parties as well as government authorities can sue your business and demand hefty payments.
General liability insurance allows your water treatment business to face lawsuits for bodily injuries or property damage without worrying about the financial repercussions. It will also cover claims for copyright infringement, slander, or libel.
Use the table above to see which insurance companies offer the best general liability insurance for water treatment.
These are some realistic situations where your water treatment plant can use general liability insurance:
An inspector gets exposed to harmful chemicals while checking your water treatment plant’s compliance with the provisions of the SDWA and National Primary Water Drinking Regulations
As student slips and falls during a field trip in your water treatment plant
General liability insurance provides a minimum of $1 million-$2 million coverage to each claim for bodily injury or property damage that third parties file against your water treatment business.
Insurance companies design general liability insurance to cover:
The medical treatment of third parties who got injured due to your water treatment plant’s operations
Reimbursement for the properties that your water treatment plant damaged
Settlements
Attorney fees and other legal defense costs
Court judgments
Yes, provided that they're named as an additional insured in your general liability policy. You can also protect your own interests in the cleaning project by asking the contractor to add you as an additional insured in the general liability policy of their cleaning business insurance program.
| CoverWallet (Best) | NEXT | WaterColor | |
|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$3,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$3,000,000 |
| Name additional insureds? | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | No |
| Deductible | $500 | $500 | $0 |
There’ve been a lot of incidents where water treatment plants have been sued by state authorities and homeowners alike for negligence and mistakes.
And so, your water treatment contractor insurance bundle must have a professional liability policy. Professional liability insurance will cover claims and accusations of negligence, mistakes, breach of contract, violation of good faith, and other misconduct.
Use the table above to see which insurance company offers the best professional liability insurance for water treatment plants.
Professional liability insurance can help your water treatment plant cover lawsuits filed when:
A considerable amount of effluent remained in the treated water because of an employee’s negligence or water treatment system’s faulty design
Your water treatment plant failed to notice that the treated water has high levels of chlorine
Effluent was negligently discharged to rivers, streams, and seas
Professional liability insurance has a $1 million per occurrence limit and a $2 million aggregate limit. You can increase your limits at an additional cost.
It depends on the situation. Failure to supply is covered by professional liability insurance if this is caused by your employee’s negligence. However, if you failed to supply because the water treatment facility had to be cleaned or maintained, then coverage doesn’t apply.
The waste hauling contractor surely has a professional liability policy included in their waste hauling insurance program. Ask them to add you as an additional insured, so that you’re protected in case they dump your water treatment plant’s waste in landfills negligently.
Clean water isn’t the only product from your water treatment plant. There’s also sludge and biogas. All of these must pass the quality standards for intended use. If there are lapses with regards to quality, your water treatment plant might face a claim. And so, it’s important to have product liability insurance, which is commonly offered in water restoration insurance bundles.
Product liability insurance takes care of expenses if third parties file a claim because the product from your water treatment plant wasn’t processed properly and doesn’t pass the quality standards imposed by authorities.
Product liability insurance will cover the remuneration to third parties, legal defense expenses, and court judgments. The policy might even cover the extra expenses for product recall.
Product liability insurance is automatically included in your water treatment plant’s general liability insurance. This will have a $1 million-$2 million per occurrence limit separate from the limits of your general liability policy.
Structural failure or the mistakes of employees can result in the discharge of chemicals and debris into streams, rivers, oceans, and lakes.
The likelihood is that you'll face grave consequences that could range from simple fines to even jail time. To protect yourself, consider getting pollution liability insurance.
Pollution liability insurance is an insurance policy that takes care of environmental restitution, debris removal, and legal expenses if your water treatment plant’s operations resulted in environmental degradation that affected wildlife and the public.
If the pollution your water treatment plant caused resulted in sickness and injury to people, then pollution liability insurance will also cover emergency care, hospital fees, and other expenses for medical treatment.
Get all the best quotes from leading providers in a click of a button!
| CoverWallet | NEXT (Best) | |
|---|---|---|
| Building coverage limit (minimum) | $50,000 | $300,000 |
| Contents coverage limit (minimum) | $50,000 | $25,000 |
| Outdoor signs | Excluded | $2,500 |
| Accounts receivable | Excluded | Excluded |
| Money and securities | Excluded | $2,500 |
| Lock and keys | Excluded | $2,500 |
| Business interruption floater | Excluded | Included |
| Equipment breakdown floater | Excluded | Included |
| Inland marine insurance floater | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 |
A water treatment plant is a million dollar investment. Weather and other unexpected occurrences can damage or destroy your water treatment business. Mitigate financial losses by purchasing commercial property insurance. Use the table above to see which insurance company offers the best commercial property policy.
Commercial property insurance grants protection by reimbursing the cost of structures and facilities of your water treatment plant in case the following happens:
Fire
Theft
Vandalism
Civil commotion
Riot
Sinkhole collapse
Lightning
Weather
Falling objects
Impact
Aircraft
Vehicle
Commercial property insurance comes with a $15,000-$100,000 contents coverage, which will cover the cost of testing kits, machines, and filtration systems. Important documents, computers, and CCTV cameras are also covered.
Commercial property insurance will cover floods, hurricanes, earthquakes, mudslides, and landslides, provided that you introduce endorsements to it. That said, coverage doesn’t apply to these exposures without add-ons.
| CoverWallet | NEXT (Best) | |
|---|---|---|
| General liability aggregate limit | $2,000,000 | $1,000,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $300,000 |
| Optional policies can be added? | Yes | Yes |
| Name additional insureds for free? | Yes | Yes |
| BOP discount? | Yes | Yes |
Some companies will offer a business owner’s policy. A business owner’s policy bundles general liability insurance and commercial property insurance. Use the table above to see which insurance company offers the best business owner’s policy for water treatment plants.
Boiler and machinery insurance provides the most comprehensive coverage for your water treatment plant’s filtration systems, machines, and boilers. Purchase this if you need a million dollar worth of coverage for the boiler, machinery, and equipment.
Boiler and machinery insurance will cover the repair or replacement of filtration systems, boilers, and other water treatment machinery or equipment that gets damaged or destroyed because of:
Fire
Theft
Vandalism
Impact
Employee error
Lightning
Electrical surge
Electrical shorts
Boiler and machinery insurance provides $1 million-$5 million worth of coverage. You can increase your limits at an additional cost.
Yes, if your boiler and machinery insurance offers blanket coverage. If not, then each of your water treatment plants must have its own boiler and machinery insurance.
The workers of your water treatment plant constantly face hazards, such as drowning, chlorine gas exposure, falling from a height, and burns.
Authorities will require your water treatment plant to purchase workers' compensation insurance for full-time and part-time employees.
Workers' compensation insurance will take care of the expenses for emergency medical treatment, hospitalization, medication, rehabilitation, retraining, reimbursement for lost wages, and death benefits if an employee sustains a work-related injury or disease.
No. University interns and volunteers aren’t covered by your water treatment plant’s workers compensation insurance. However, you can call the insurance company and name interns and volunteers as additional insureds for coverage to apply.
Yes. Your water treatment company can self-insure all employees if it has the adequate budget to provide workers comp benefits without the help of an insurance company. However, you will need to file a request for self-insurance for things to be legal.
Excess liability insurance is an endorsement to your water treatment plant’s general liability, pollution liability and professional liability policies. This will cover the remaining costs if your liability policies can’t fully cover a claim. We suggest purchasing excess liability insurance if the general liability, professional liability, or pollution liability of the insurance company has a limited and fixed per occurrence and aggregate limit.
Further, chances are you have a vehicle that is primarily used for the business, for instance, to transport your employees and machinery. You want to stay proactive by protecting the vehicle, driver, and others on the road in the event of an accident. This policy will:
Get injured third parties treated if your water treatment plant’s vehicle causes an accident on the road
Pay the repair or replacement of parts if your water treatment plant’s vehicle sustains damage because of fire, theft, vandalism, weather, and other covered perils
Get employees treated if your water treatment plant’s vehicle gets involved in an accident caused by an uninsured/underinsured driver
Employee benefits liability insurance will cover costs if an employee files a claim because the manager of your water treatment plant erred in granting life insurance, health benefits, workers comp benefits, retirement plans, disability insurance, travel benefits, and more.
Employment practices liability insurance will cover costs if an employee sues and holds your water treatment plant liable for sexual harassment, wrongful termination, exploitation, negligent hiring, failure to promote, and other violations of employee rights.
Cyber liability insurance will take care of public relations, legal defense, data recovery, and other related expenses if the computers of your water treatment plant get breached or installed with malware or ransomware. This is particularly useful if your water treatment plant owns a website and receives payments through digital channels.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $58 | $696 | $0-$500 |
| Professional liability insurance | $60 | $720 | $0-$500 |
| Commercial property insurance | $120 | $1,440 | $1,000-$2,500 |
| Business owner’s policy | $140 | $1,680 | $500-$1,000 |
| Workers compensation insurance | $160 | $1,920 | $2,000-$5,000 |
| Commercial auto insurance | $75 | $900 | $1,000 |
| Umbrella liability insurance | $59 | $708 | $500-$1,000 |
| Employee benefits liability insurance | $80 | $960 | $1,000 |
| Employment practices liability insurance | $90 | $1,080 | $500-$1,000 |
The average water treatment insurance cost is $58 per month or $696 per year for a $1 million general liability policy. Several factors influence how much you ultimately pay for water treatment insurance coverage. These include:
Location of your water treatment business
Number of employees
Annual payroll
Type of water treatment services on offer
Claims history
Business history
To get cheaper water treatment insurance, consider searching online to compare the different rates and offerings. That being said, here’s another table showing the cost of a $1 million general liability policy from the best water treatment insurance companies:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $40 | $480 | Best overall; Fastest general liability insurance for water treatment plants |
| CoverWallet | $42 | $504 | Comparing insurance quotes for water treatment plants online |
| Tivly | $45 | $540 | Comparing water treatment insurance quotes over the phone |
| Reich Group | $100 | $1,200 | Water treatment businesses with an international reach |
| WaterColor Management | $208.33 | $2,499.96 | Extensive understanding of unique risks within the water treatment business landscape |
Get all the best quotes from leading providers in a click of a button!
Evidently, insurance is an asset for any water treatment business. It protects and even saves your business and business assets in the event of the unforeseen.
You've got to ensure that you've partnered with the very best in the market. As such, here's a list of the best water treatment insurance companies. Read some of the reviews below to know their pros, cons, and cost of a $1 million general liability insurance.
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance for water treatment plants
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more water treatment insurance policies
Couldn’t find any
NEXT doesn’t have an insurance package tailored for water treatment plants. However, you might get coverage through its generic insurance package for all other “miscellaneous manufacturing businesses”. This offers:
$1 million-$2 million general liability insurance
$300,000 commercial property insurance
$1 million professional liability insurance
Workers compensation insurance
Note that depending on your business profile and location, NEXT might refer you to its partner for a quote.
Best for: Best overall; Fastest general liability insurance for water treatment plants
Average cost: $40 per month
Our rating: 10/10
Compare quotes online
No hidden charges
Cancel a coverage anytime for free
Easy online policy management
Not an insurance company but an insurance broker
Similar to NEXT, CoverWallet doesn’t have a water treatment insurance program. However, you can get covered through this insurance broker’s nonhazardous waste treatment insurance program or sewage treatment facility insurance program. The inclusions in both of these are as follows:
$1 million-$2 million general liability insurance
$1 million professional liability insurance
$50,000 commercial property insurance
Business owner’s policy
Workers compensation insurance
Commercial auto insurance
Note that your coverage from CoverWallet can come from different insurance companies. And so, you must get a quote by using CoverWallet’s online quotes comparison platform.
Best for: Comparing insurance quotes for water treatment plants online
Average cost: $42 per month
Our rating: 10/10
A partner of many reputable insurance companies
Call and compare quotes over the phone
Responsive customer service
You need to call to get a quote
Tivly (formerly CommercialInsurance.NET) partners with different insurance companies to find the right insurance package for your water treatment business. Call a Tivly representative to compare quotes and know the specifics of your insurance. Note that some carriers you’ll approach might refer you to this company if they can’t grant coverage.
Best for: Comparing water treatment insurance quotes over the phone
Average cost: $45 per month
Our rating: 10/10
Quick insurance and claims processing
Unlimited defense costs coverage
Policyholders are not charged a compulsory deductible
All coverage are available directly or via a retail agent
Doesn’t issue an online quote
WaterColor Management has been in business since the 1980s, thus having accrued over 30 years of experience underwriting water risks throughout the United States. The provider's portfolio scales from just local water treatment businesses to global organizations spanning multiple locations and a large pool of employees. As a decision maker within a water treatment business, you work with agents from WaterColor Management to come up with a tailored insurance package in consideration of your operations, exposure, and budget.
What sets WaterColor Management's program apart is the underwriter's singular focus on the water industry. This means that the provider comes with skilled professionals with the right expertise when it comes to water business risks and exposure. Besides, the provider has been able to curate industry-specific products that help address the unique hazards that professionals and businesses in the water treatment niche might be subject to.
While WaterColor has specifically specialized in liability and property insurance policies, they are flexible enough to broaden their coverage to include additional policies. Your coverage includes:
$1,000,000 occurrence and $3,000,000 aggregate general and professional liability coverage
$1,000,000 occurrence-form gradual pollution coverage
$250,000 employee benefits liability
Coverage of up to $250,000 for employment practices liability
$100,000 to cater to fire legal liability
$10,000 in medical payments
$1,000,000 in payments for any damage to hired and non-owned vehicles, subject to request
Payments not exceeding $1,000,000 for spillage of waste materials during transit
Best for: Extensive understanding of unique risks within the water treatment business landscape
Average cost: $208.33 per month
Our rating: 9/10
International coverage
Efficient in-house claims team
Water treatment specialists on board to curate industry-specific insurance packages
Flexible insurance policies
Personalized and responsive customer service
Experienced claims team
Stringent prequalification process for water treatment businesses
Based in Manchester, UK, Reich Group is a chartered broker with over 75 years of experience offering insurance policies. What makes the insurer stand out is that it understands the water industry in and out, giving them the ability to assess the risks therein, thus providing comprehensive cover.
Reich Group's water treatment insurance package includes coverage for employers, public and product liability, professional indemnity, business interruption coverage, commercial property coverage, and cyber liability coverage.
In addition, the water treatment insurance policy can be tailored to include insurance products for businesses dealing with legionella risk assessment and water testing.
Best for: Water treatment businesses with an international reach
Average cost: $100 per month
Our rating: 8/10
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
It really can't get any better than this... wow
Not all those who wander are lost.
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