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Serving the public is a serious, round-the-clock responsibility. It’s your job to protect, plan for, and serve the needs of your community as it grows. And it’s our job to protect you with thoughtfully designed, tailored insurance coverages. Our dedicated underwriting, claims and risk control teams work specifically with water and sewer districts and can provide you with one source for your insurance and risk management needs.


• Training modules for unique risks such as flagging/traffic control
• Risk control specialists to assist in analyzing digging sites for pipe-laying hazards
• Coverage available for failure-to-supply services and sewer back-up liability
• Utilization of immunities and tort caps where applicable
• Coverage for members of boards, commissions and sewer authorities


• Co-located medical and claims professionals promptly handle, thoroughly investigate and fairly resolve claims, with a focus on return-to-work
• Discounts and savings through carrier’s preferred medical provider network


• Specialized equipment breakdown  coverage and certified boiler and machinery inspections and consultations through carrier’s Boiler & Machinery


• Complimentary EPL hotline provides access to EPL attorneys* to answer your questions
• Discounts for employee training to help protect against “failure to train” exposures


• Our dedicated Sewer Backup Claim Unit  understands the importance of balancing residents’ emotional reactions to water backup events with prompt claim handling
• Specialists work with sewer backup adjusters for valuation of residents’ personal items, antiques, etc.


• Coverage to protect against cyber and ID fraud for entities that store data electronically

* Assistance is not intended to replace your company’s need to hire employment counsel to assist in making specific personnel decisions and in implementing policies and procedures. Assistance provided exclusively.

Our carriers offer water and sewer districts a variety of tools and services – from workers compensation support to bill paying options – to meet your unique needs. Our underwriting, claims and risk control teams are staffed with knowledgeable professionals dedicated solely to serving public entities. Below is a quick rundown of what  we can provide for water and sewer districts:


Underwriters stay abreast of public affairs and evolving legal and social issues in your area. They’re devoted to creating balanced, effective insurance solutions that address your unique needs.
They can provide:
• Broad coverage forms tailored for publicly-owned utilities (such as underground piping and pumps)
• Broadened pollution provision to address chlorine/sodium hypochlorite in water or sewage purification processes as well as sewer backup incidents
• Failure-to-supply limits applicable for water, gas or electric operations


Our claim professionals are dedicated solely to handling public entity claims. They understand state-specific issues and have extensive knowledge of the immunities and special defenses afforded to public entities. Other claim highlights include:
• 24/7 claim reporting online or our toll-free number
• Dedicated claim professionals assigned to manage and coordinate your claim
• Quick service and local expertise from one of a number of claim offices situated nationwide
• State-of-the-art workers compensation claims technology
• Access to unique workers compensation web site dedicated to injured employees

Risk Control

The risk control team can help strengthen your risk management program with a number of special tools and services:

• Online products and services
–– Assistance with continuity of operations planning
–– Training modules for unique risks like flagging/traffic control
–– Property, Preservation, a one-stop shop for valuable program guides, checklists and technical bulletins
–– Safety self assessments through Virtual Risk Manager
• Certified Boiler & Machinery inspections and consultations
• Risk control specialists to assist in analyzing digging sites for pipe-laying hazards
• Nationwide network of fire protection specialists with experience serving public entities
• Workers compensation specialists available for post-injury management
• Local risk control specialists
• Robust website with broad array of information to help address challenges specific to water and sewer districts

Bill Pay

We offer direct bill and agency bill plans on an annual, semi-annual or quarterly basis in order to fit your cash flow needs.

Backed by Financial Strength
And, as always, you’re backed by the financial strength. Our carriers are a component of the Dow Jones Industrial Average and have received consistently high ratings for financial strength and claims paying ability from independent ratings services, including A.M. Best, Moody’s and Standard and Poor’s.

For more information, call Diana Motseniat at 877-239-0067 ext. 111.