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Water Treatment Business Insurance: Quotes From $11/month

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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Table of contents
1. Water Treatment Liability Insurance2. General Liability Insurance for Water Treatment Plants2.1. In What Situations Can General Liability Insurance Aid Your Water Treatment Plant?2.2. How Much Coverage Can Your Water Treatment Plant Get From General Liability Insurance?2.3. What Costs Does General Liability Insurance Cover?2.4. I Am Hiring a Water Treatment Plant Cleaning Firm. Does My General Liability Insurance Cover Their Operations?3. Professional Liability Insurance for Water Treatment Plants3.1. What Are Some Realistic Situations Where Professional Liability Insurance Can Help Your Water Treatment Plant?3.2. How Much Coverage Can Your Water Treatment Plant Get From Professional Liability Insurance?3.3. Does Professional Liability Insurance Cover My Water Treatment Plant’s Failure to Supply?3.4. I Am Planning to Hire a Waste Hauling Contractor. How Can I Protect Myself From Their Negligence?4. Product Liability Insurance for Water Treatment Plants4.1. How Does Product Liability Insurance Work?4.2. What Costs Does Product Liability Insurance for Water Treatment Plants Cover?4.3. How Do You Get Product Liability Insurance?5. Pollution Liability Insurance for Water Treatment Plants5.1. How Does Pollution Liability Insurance Work?5.2. The Pollution Caused Several People to Be Sick and Injured. Will Pollution Liability Insurance Cover the Costs on Behalf of My Water Treatment Plant?6. Commercial Property Insurance for Water Treatment Plants 6.1. How Does Commercial Property Insurance Protect Your Water Treatment Plant?6.2. Will Commercial Property Insurance Cover Small Tools and Equipment in the Premises of My Water Treatment Plant?6.3. Can I Use Commercial Property Insurance to Protect My Water Treatment Plant Against Floods, Hurricanes, Earthquakes, Mudslides, and Landslides?7. Business Owner’s Policy for Water Treatment Plants8. Boiler and Machinery Insurance for Water Treatment Plants8.1. How Does Boiler and Machinery Insurance for Water Treatment Plants Work?8.2. How Much Coverage Can You Get from Boiler and Machinery Insurance?8.3. I Have Multiple Water Treatment Plants. Does One Boiler and Machinery Insurance Cover Them All?9. Workers Compensation Insurance for Water Treatment Plants9.1. My Water Treatment Plant is Employing Interns and Volunteers from the Local University. Are They Covered by Workers Comp?9.2. My Water Treatment Plant Can Provide Workers Comp Benefits on Its Own. Is This Okay?10. Excess Liability Insurance for Water Treatment Plants11. Commercial Auto Insurance for Water Treatment Plants 12. Employee Benefits Liability Insurance for Water Treatment Plants13. Employment Practices Liability Insurance for Water Treatment Plants14. Cyber Liability Insurance for Water Treatment Plants15. Water Treatment Insurance Cost 16. Best Water Treatment Insurance Companies16.1. NEXT Water Treatment Insurance 16.1.1. Pros16.1.2. Cons16.2. CoverWallet Water Treatment Insurance 16.2.1. Pros16.2.2. Cons16.3. Tivly Water Treatment Insurance 16.3.1. Pros16.3.2. Cons16.4. WaterColor Management Water Treatment Insurance 16.4.1. Pros16.4.2. Cons 16.5. Reich Group Water Treatment Insurance 16.5.1. Pros 16.5.2. Cons

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 Liability Insurance

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.


General Liability Insurance for Water Treatment Plants


CoverWalletNEXT (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?YesNoIncluded
Hired/non-owned auto liability coverage included?YesNo$1,000,000
Equipment breakdown floater included?NoYesYes
Can you get a certificate of insurance online?YesYesYes
Name additional insureds?YesYes
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.


In What Situations Can General Liability Insurance Aid Your Water Treatment Plant?

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


How Much Coverage Can Your Water Treatment Plant Get From General Liability Insurance?

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.


What Costs Does General Liability Insurance Cover?

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


I Am Hiring a Water Treatment Plant Cleaning Firm. Does My General Liability Insurance Cover Their Operations?

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.



Professional Liability Insurance for Water Treatment Plants


CoverWallet (Best)NEXTWaterColor
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?YesYesYes
Waiver of subrogation included?YesNoNo
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.


What Are Some Realistic Situations Where Professional Liability Insurance Can Help Your Water Treatment Plant?

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


How Much Coverage Can Your Water Treatment Plant Get From Professional Liability Insurance?

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.


Does Professional Liability Insurance Cover My Water Treatment Plant’s Failure to Supply?

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.


I Am Planning to Hire a Waste Hauling Contractor. How Can I Protect Myself From Their Negligence?

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.


Product Liability Insurance for Water Treatment Plants

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.


How Does Product Liability Insurance Work?

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.


What Costs Does Product Liability Insurance for Water Treatment Plants Cover?

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.


How Do You Get Product Liability Insurance?

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.


Pollution Liability Insurance for Water Treatment Plants

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.


How Does Pollution Liability Insurance Work?

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.


The Pollution Caused Several People to Be Sick and Injured. Will Pollution Liability Insurance Cover the Costs on Behalf of My Water Treatment Plant?

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.

Compare Cheap Water Treatment Business Insurance Quotes Online

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Commercial Property Insurance for Water Treatment Plants 


CoverWalletNEXT (Best)
Building coverage limit (minimum)$50,000$300,000
Contents coverage limit (minimum)$50,000$25,000
Outdoor signsExcluded$2,500
Accounts receivable ExcludedExcluded
Money and securitiesExcluded$2,500
Lock and keys Excluded$2,500
Business interruption floaterExcludedIncluded
Equipment breakdown floaterExcludedIncluded
Inland marine insurance floaterExcludedExcluded
Employee dishonesty floaterExcluded$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. 


How Does Commercial Property Insurance Protect Your Water Treatment Plant?

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


Will Commercial Property Insurance Cover Small Tools and Equipment in the Premises of My Water Treatment Plant?

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. 


Can I Use Commercial Property Insurance to Protect My Water Treatment Plant Against Floods, Hurricanes, Earthquakes, Mudslides, and Landslides?

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. 


Business Owner’s Policy for Water Treatment Plants


CoverWalletNEXT (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?YesYes
Name additional insureds for free?YesYes
BOP discount?YesYes


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 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. 


How Does Boiler and Machinery Insurance for Water Treatment Plants Work?

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


How Much Coverage Can You Get from Boiler and Machinery Insurance?

Boiler and machinery insurance provides $1 million-$5 million worth of coverage. You can increase your limits at an additional cost. 


I Have Multiple Water Treatment Plants. Does One Boiler and Machinery Insurance Cover Them All?

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. 


Workers Compensation Insurance for Water Treatment Plants

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. 


My Water Treatment Plant is Employing Interns and Volunteers from the Local University. Are They Covered by Workers Comp?

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. 


My Water Treatment Plant Can Provide Workers Comp Benefits on Its Own. Is This Okay?

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 for Water Treatment Plants

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. 


Commercial Auto Insurance for Water Treatment Plants 

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 for Water Treatment Plants

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 for Water Treatment Plants

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 for Water Treatment Plants

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. 

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Water Treatment Insurance Cost 

 


Cost per MonthCost per YearDeductible
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 MonthCost per YearBest for
NEXT$40$480Best overall; Fastest general liability insurance for water treatment plants
CoverWallet$42$504Comparing insurance quotes for water treatment plants online
Tivly$45$540Comparing water treatment insurance quotes over the phone
Reich Group$100$1,200Water treatment businesses with an international reach
WaterColor Management$208.33$2,499.96Extensive understanding of unique risks within the water treatment business landscape

Compare Cheap Water Treatment Business Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Water Treatment Insurance Companies

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. 

 

NEXT Water Treatment Insurance

Pros

  • 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 

Cons

  • 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


CoverWallet Water Treatment Insurance

Pros

  • Compare quotes online

  • No hidden charges

  • Cancel a coverage anytime for free

  • Easy online policy management

Cons

  • 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


Tivly Water Treatment Insurance

Pros

  • A partner of many reputable insurance companies

  • Call and compare quotes over the phone

  • Responsive customer service

Cons

  • 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


WaterColor Management Water Treatment Insurance

Pros

  • 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 

Cons 

  • 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


Reich Group Water Treatment Insurance

Pros 

  • 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 

Cons

  • 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


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