Contact the Water Insurance Specialists

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We help keep your head way above water.

To Get the
right insurance

We’ll Manage Your Risks with Our Comprehensive Septic & Sewer Program

WaterColor Management underwrites on behalf of “A++XV” rated carriers a specifically designed insurance program for Septic, Sewer, and Wastewater enterprises. Since 1986, we have been the insurance and risk management source for the water industry, addressing the unique exposures you face and forming alliances with carriers to provide the critical Liability and Property insurance required. This includes, for example, ensuring that your insurance policies contain water industry-specific clauses, such as bacteria, lead and pollution coverages that meet your needs and are designed to cover all your activities.

Our premiums for Septic, Sewer, and Wastewater operations are the most competitive in the nation.

Who We Insure

We specialize in insuring companies involved in septic system design and installation. Additionally we underwrite wastewater, grease and sludge hauling and treatment operations. Our nationwide clients include:

  • Sewer/Septic Tank Installers
  • Maintenance Companies
  • Septic Tank Materials and Equipment Suppliers
  • Portable Toilet Companies
  • Sewage Operations
  • Grease Trap & Sludge Removal and Haulage
  • Wastewater Remediation Companies
  • Wastewater Testing and Consulting Firms and Individuals

Coverages We Offer

As a specialist in your field, we understand the time and effort involved in building a high-quality operation that grows along with your reputation. It’s vital to protect your business and personal assets with the most comprehensive and broadest insurance coverage available at the most reasonable price. That’s where we come in, providing a complete portfolio of industry-specific products:

  • General and Professional Liability
  • Completed Operations Liability (including mold, lead and bacteria)
  • Products Liability & Product Recall (including mold, lead and bacteria)
  • Pollution Liability including HAZMAT up to $25m (on-site, during transportation and at customer sites, including HAZMAT)
  • Excess Coverage
  • Property & Equipment/Inland Marine Insurance
  • Commercial Auto Insurance
  • Boiler and Machinery Insurance
  • Workers Compensation
  • Employee Fidelity/Crime
  • Cyber Crime & Cyber Liability
  • Bonds

Coverage Features

  • $1,000,000 Occurrence/$3,000,000 Aggregate General, Pollution and Professional Liability
  • Pollution Coverage includes both gradual and sudden accidental occurrences
  • Products Liability/Completed Operations and Product Recall
  • Professional Liability endorsement is automatically included
  • Not only is the General Liability policy extremely broad, but you may benefit from premium reductions of up to 25%
  • Up to $25,000,000 in Excess Pollution Coverage
  • Unlimited Defense Costs
  • $1,000,000 Automatic Pollution Coverage (this is “occurrence-form” which applies until the expiry of the statute of limitations)
  • $250,000 Employee Benefits Liability
  • $250,000 Employment Related Practices Liability
  • $100,000 Fire Legal Liability
  • $10,000 Medical Payments
  • $1,000,000 Hired and Non-Owned Auto (on request)
  • Excess Liability up to $10,000,000
  • Minimum Liability 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.

Beyond Insurance to Risk Management

At WaterColor Management, our commitment is to your business’s security and sustainability. Transferring your risk with insurance is a critical component in maintaining businesses’ continuity. Mitigating risk is equally important. We look closely at your exposures to assist in eliminating or minimizing them. We provide risk management and safety strategies, including (sub)contract advice, hold harmless and additional insured agreements, and free telephone and on-site loss control surveys. This helps drive down costs as a result of accidents and injuries. We recommend that all water businesses carry at least a basic cyber crime coverage. This should include at a minimum, fraudulent transfer of personal and company funds and cyber extortion. In the event of a claim against you, you can rely on our A++ rated security, unlimited defense cost coverage as well as our professionals’ knowledgeable and firm claims management direction.

Call Us for a Consultation

If you have any questions please don’t hesitate to contact us at 256-260-0412 or at 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.