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Talk to the Water Filtration, Softening & Purification Insurance Experts

Since 1986, we have protected Water Filtration, Softening & Purification firms with General, Professional, Products/Completed Operations, Product Recall and Pollution Liability insurance solutions. We offer the broadest insurance coverages together with the nation’s most competitive pricing for water businesses. Our policies are not limited by the standard insurance-industry exclusions for lead, mold, radon, chemicals, bacteria, arsenic, corrosives and other contaminants. We understand that it is critical to the water industry to have these coverages and we confidently underwrite all of them.

We are backed by some of the world’s biggest insurers with A.M. Best ratings of up to A++.

Who We Insure

We specialize in insuring several business classifications for the Water Filtration, Softening & Purification industry, including:

  • Water Filter Sales and Installation
  • Water Filter Manufacturing & Distribution
  • UV and Reverse Osmosis Sales and Installation
  • UV and Reverse Osmosis Manufacturing & Sales
  • Water Softening Sales & Installation
  • Water Softening Equipment Manufacturing & Sales
  • Water Purification Operations
  • Purified Water Suppliers

Coverages We Offer

Our clients distribute, install and maintain devices such as water filters, softening equipment and UV and reverse osmosis equipment for homeowners and businesses. Other clients supply purified (bottled) waters to business and homes. Risk exposures include: water leaks (allegedly) caused by products or equipment, or by installers or maintenance personnel; mold, radon, lead, bacteria and other contaminants; slips and falls on wet floors; and damage to property. Our program is designed to address these and the many other risks you face with custom insurance solutions:

  • General Liability
  • Completed Operations Liability (including mold and other fungi, lead, radon and bacteria)
  • Products Liability (including mold and other fungi, lead, radon and bacteria) and Products Recall
  • Pollution Liability including HAZMAT up to $25m (on-site, during transportation & at work sites)
  • Excess Liability Coverage up to $10m
  • Property and Inland Marine Insurance
  • Commercial Auto Insurance
  • Boiler and Machinery Insurance
  • Workers Compensation
  • Employee Fidelity/Crime
  • Cyber Crime and Cyber Liability
  • Performance and Completion Bonds

Coverage Features

  • $1,000,000 Occurrence/$3,000,000 Annual Aggregate General Liability
  • Unlimited Defense Costs
  • $1,000,000 Pollution Coverage (this is “occurrence form” which applies until expiry of the statute of limitations)
  • $100,000 Fire Legal Liability
  • $10,000 Medical Payments
  • $1,000,000 Hired and Non-Owned Auto (on request)
  • Up to $1,000,000 Pollution in Transit
  • Special Claims Made to Occurrence Coverage Endorsement
  • Product Recall Endorsement Available
  • Excess Pollution up to $25,000,000
  • Excess Liability up to $10,000,000
  • Minimum Premium: $1,500

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.

Loss Control, Risk Management is Key

In addition to providing a sound, responsive insurance program for Water Filtration, Softening and Purification operations, WaterColor will help you avoid losses and reduce your exposures with best risk management practices. A culture of safety leads to bottom-line savings. Our best practices recommendations include: obtaining written job and sales contracts; getting hold harmless agreements from (sub)contractors and principals; ensuring you are named as an additional insured on principals’ policies; including the most advantageous “assumption of liabilities” and pay-on-behalf clauses; securing property coverage on buildings, tools, equipment and inventory you own or rent; and reporting claims incidents as soon as possible.

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.