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You work hard to ensure that your customers' water quality is safe and up to standard. But who's looking out for your business while you're busy working?
At Simply Business, we can help water treatment engineers find the insurance coverage that's as unique as their business. From general liability plans to workers compensation coverage, we can help you find the best policy for your business.
Plus, we make it easy to get the coverage you need. For just 10 minutes of your time, we can show you policies that will protect the business you've built.
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Business Policies Available for Water Treatment Engineers:
Insurance for water treatment engineers can include several policies that protect against common risks and liabilities. When building your water treatment insurance policy, we may suggest considering these two policies as part of your foundational plan:
As the go-to resource for your customers regarding water treatment and safety, you probably spend a great deal of time meeting with them to discuss their individual needs. If you have an office space where you meet with your customers, you'll likely need commercial general liability insurance.
Also known as general liability (GL) insurance, this type of insurance covers the costs of third-party accidents, property damage, and bodily injury to a third party, such as a customer or vendor.
GL insurance is a foundational insurance policy for several reasons, the main reason being that it can protect you and your business from significant claims and costs. Plus, with the average customer injury or damage claim being $30,000, it's important to have this type of coverage.
Without general liability insurance, you may have to pay for these costs with your hard-earned money.
So what does the role of general liability insurance look like in action?
Let's say that while working at a customer's residence, you forget to turn the water supply off and you open up a pipe, which causes extensive damage to your customer's home. They are furious, and you’re at a loss as to what to do.
If you have general liability insurance, your policy can typically cover the costs of the damage, plus legal fees if your customer takes you to court.
To summarize, here's what general liability insurance usually can cover:
Here's what general liability insurance usually doesn't cover:
You may be required to carry some form of workers compensation insurance if you have any part-time, full-time, or temporary employees on your team. This type of insurance can cover costs related to an employee's injury or illness they sustain while working for you.
Many states require businesses with employees to carry some form of workers compensation coverage; check to see what your state's requirements are for this type of insurance.
Adding workers compensation to your comprehensive insurance coverage can be crucial to running a thriving water treatment business. With the average work injury cost being $41,000 — with 2018 yielding $170.8 billion worth of claims alone — it's critical to consider having this policy.
In other words, it's essential to have workers compensation insurance as part of your overall water treatment insurance coverage, even if you have only a handful of employees.
To summarize, workers compensation insurance for water treatment engineers can cover:
Perhaps you aren't sure if you need water treatment insurance right now. Maybe you're self-employed, and the thought of adding another expense to your list is daunting.
We understand that you may be reluctant, but business insurance can be an essential component in limiting the liabilities you may face as a water treatment engineer. We can reduce the risks and liabilities we face, but that doesn't mean they can't happen.
Take a look at some of the most common incidents that small business owners can encounter, including how much they cost on average:
Those costs can be detrimental to small businesses. If you have water treatment insurance, your policy could potentially cover some or all the costs of any claims or lawsuits you may face.
Also, did you know that up to 43% of small business owners polled reported being threatened with or involved in a civil lawsuit? In other words, a customer could sue you for claims of negligence or damages even if you did everything right.
Don't leave the fate of your finances and your business up to chance. At Simply Business, we make it easy to find insurance coverage options at the right price. Just answer a few questions about your business, and you can start comparing free quotes from top insurers across the country.
Plus, we can provide you with a certificate of insurance (COI), so you can start verifying proof of coverage to customers, vendors, and more.
Since water treatment insurance can be a bundle of policies, you may be required to carry some coverage, but not others.
For instance, perhaps your state requires you to carry workers compensation if you have employees, but not general liability insurance.
In general, water treatment insurance premiums are income tax-deductible by the IRS. We recommend speaking to an accountant if you have questions about your specific business's deductible expenses, though.
The amount of coverage your business may need will depend on a few factors:
If you aren't sure what type of insurance coverage you need, don't stress — our quote form is built to recommend insurance plan options for you.
If you have questions, our licensed insurance agents are available to assist you.
If you're ready to check out your free quotes, it's a good idea to have the following information available to make the process go as quickly as possible:
It may, as your state may have different insurance requirements for water treatment engineers than another state (especially regarding workers compensation policies).
That's why our quote process is so important when shopping for insurance plan options. Our questions can narrow down policies for you, based on your needs, as well as any requirements your state may have concerning insurance protection.
Water treatment insurance depends on the policies you need to meet your business's needs. If you opt for both core policies — general liability and workers compensation — your insurance plan can typically cover:
The cost of water treatment insurance varies, depending on your business and its unique needs. For the most part, you can expect your insurance premiums to be determined by:
Ready to see how much your water treatment insurance may cost? Just click here and get free quotes from top insurers in the country.
Simply Business is an online insurance platform that makes it easy to compare the best policies and quotes from top insurers. We're one of the fastest-growing online providers of small business insurance, with thousands of customers who trust us to protect their businesses.
Why choose us?
We're fast and affordable. You have a lot on your plate, and you don't have time to worry about your insurance coverage. Our policies are fast, affordable, and ready when you are.
We're flexible. Your business changes over time, so you need an insurance policy that can keep up. We're here to help make sure you're protected, even as your business grows or changes.
We understand your business's unique needs. You deserve an insurance policy that gets your business from the inside out. We can help you get that coverage.
You work hard to build a successful water treatment business, and you should have an insurance policy that protects that hard work.
This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.
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*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated insurance carrier by AM Best. Harborway Insurance is a brand name of Harborway Insurance Agency, LLC, a licensed insurance producer in all 50 states and the District of Columbia. California license #6004217.