In a league of our own when it comes to insuring your water risks.

Leverage the Power of Our Groundwater Services Insurance Program

Since 1986, WaterColor Insurance & Risk Management delivers the lowest-cost, tailored commercial insurances to all NGWA members and to members of NGWA state/regional Affiliates, offering the strongest Liability and Property solutions in the market. We have underwriting authorities with “A++” carriers to underwrite tailored Property, Liability, Inland Marine and Auto for groundwater drillers, scientists and engineers.

Members of the National Groundwater Association receive premium discounts in our program as do companies with employees who hold CGWP, MGWC and other NGWA certifications.

As a Managing General Underwriter with in-house authority, we can make quick pricing and other policy decisions for our Groundwater clients.

Our premiums are the most competitive nationally regardless of client size. Our minimum premium is $1,000.

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Who We Insure

WaterColor Management insures the following Groundwater operations nationwide:

Groundwater Drillers
Groundwater Drilling Equipment, Suppliers, Installers and Distributors
Laboratories, Scientists and Consultants
Groundwater Remediation Companies and Providers
Well Owners and Operators
Geothermal Developers, Installers, Manufacturers, Distributors and Suppliers

Coverages We Offer

WaterColor Management provides the following industry-specific coverage solutions to the Groundwater industry:

General and Professional Liability
Completed Operations Liability (including arsenic, mold, radon, lead, bacteria and other contaminants)
Products Liability & Product Recall (including mold, radon, lead, arsenic, bacteria and other contaminants)
Pollution Liability including HAZMAT up to $25m (on-site, during transportation and at work sites)
Comprehensive Down-the-Hole Coverage
Excess Liability Coverage up to $10m (excess of $10m on request)
Property and Inland Marine/Equipment Insurance
Commercial Auto Insurance
Boiler and Machinery Insurance
Workers Compensation
Performance and Completion Bonds
Employee Fidelity/Crime
Cyber Crime/Cyber Liability
Employment Practices Liability
Employee Benefits Liability

Coverage Features

General Liability – $1 million/$3 million limits
Products Liability and Product Recall – $1 million/$3 million limits
Completed Operations Liability – $1 million/$3 million limits
Pollution Liability – optional primary policy limits up to $1 million/$3 million; Excess Pollution is available up to $25m (this is “occurrence-form” which applies until the expiry of the statute of limitations)
- Gradual Pollution and HAZMAT included on insured’s site, at job sites, and in transit
Mold and Bacteria Coverage – $1 million/$3 million limits
Down-the-Hole Insurance
Lead, Radon, Arsenic and other Contaminants and Corrosives are not excluded – limits up to $1 million/$3 million
Professional Liability Occurrence Form – limits up to $1 million/$3 million
Employment Practices Liability – $250,000 limit
Employee Benefits Liability – $250,000 limit
Damage to Rented Premises Liability – $100,000 limit
Medical Payments – $10,000 limit
Zero Deductible
Minimum Premium: $1,000

A nine-month premium-financing plan is available. All coverages are available directly or via retail agents. Coverage features are subject to insurance policy terms.

Note: Primary Policy Pollution Limits available up to $1,000,000/$3,000,000 plus $25m Excess Pollution if needed.

Helping You Understand, Manage Risk

Our risk management expertise is unrivaled when it comes to helping our clients understand, manage and prevent accidents and injuries. We will protect you against lawsuits as well as for personal injury and property damage claims. We offer onsite loss control surveys for all risks at no cost. We provide safety advice and guidelines and we will consult with you on your client contract management terms such as hold harmless, additional insured and pay-on-behalf clauses. In addition, our loss-handling expertise runs deep, having been on the front line of water business claims for more than three decades. Our defense costs coverage is unlimited.

Call Us for a Consultation

If you have any questions please don’t hesitate to contact us at 256-260-0412 or at info@watercolormanagement.com. We also invite you to look at some of our recent successes to see the depth and breadth of our capabilities and how we might serve you best.