💧 Water & Sewer Districts

Utility Water & Sewer District Insurance

Insurance for utility districts, water districts, and sewer authorities across Arizona. Protect your infrastructure, employees, and the public you serve.

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Unique Risks We Address

Every water & sewer districts faces specific risks. We make sure you're covered.

Water main break damage
Sewer backup claims
Construction site injuries
Environmental contamination
Billing/rate disputes
Board decision liability
Vehicle accidents
SCADA system cyberattacks
Coverage Options

Recommended Coverage

Tailored insurance products for water & sewer districts operations.

🛡️

General Liability

Protects against bodily injury and property damage claims from your operations, premises, and programs.

  • Premises liability
  • Operations coverage
  • Personal & advertising injury
  • Medical payments
🏢

Property & Contents

Covers your building, furnishings, equipment, and inventory against fire, theft, vandalism, and natural disasters.

  • Building coverage
  • Contents & equipment
  • Business interruption
  • Valuable papers
👔

Directors & Officers (D&O)

Shields board members, officers, and volunteers from personal liability for organizational decisions.

  • Wrongful acts defense
  • Employment claims
  • Breach of duty
  • Regulatory actions
⚙️

Workers' Compensation

Required coverage for employees injured on the job — covering medical expenses, lost wages, and rehabilitation.

  • Medical expenses
  • Lost wages
  • Rehabilitation
  • Employer liability
🚗

Commercial Auto

Covers vehicles owned, leased, or used by your organization for transporting clients, supplies, or staff.

  • Owned vehicles
  • Hired & non-owned auto
  • Client transport
  • Volunteer drivers
💻

Cyber Liability

Protects against data breaches, ransomware attacks, and the costs of notifying affected individuals.

  • Data breach response
  • Ransomware coverage
  • Notification costs
  • Credit monitoring

Serving All of Arizona

📍 Phoenix 📍 Tucson 📍 Mesa 📍 Chandler 📍 Scottsdale 📍 Glendale 📍 Gilbert 📍 Tempe 📍 Peoria 📍 Surprise 📍 Yuma 📍 Flagstaff

Frequently Asked

What insurance does a water/sewer district need?
GL, Property (for infrastructure), D&O, Workers' Comp, Commercial Auto, and Cyber Liability form the essential package. Environmental/Pollution Liability is also recommended.
Does GL cover sewer backup damage to homes?
GL covers third-party property damage claims from sewer backups caused by your system. Maintenance logs and inspection records strengthen your defense.
Do we need cyber insurance for SCADA systems?
Yes. Water and sewer utilities are critical infrastructure targets. Cyber Liability covers ransomware, system breaches, and the costs of restoring compromised controls.
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