The water treatment market is an ever growing sector and with strict legislation now placing the control of legionella with the owner/operator of water systems, the demand for engineers to provide the service to ensure that compliance is met is rising. We at Reich Insurance understand the water industry, the processes involved and have the ability to assess your risk and provide you with cover that’s not generally available on a standard insurance contract.
Our research tells us that most water treatment professionals have in place standard liability wordings. However, these often come with a specific exclusion for legionella and efficacy, which engineers and consultants aren’t aware of and don’t appreciate the effect these limitations have on their own exposure. This is leaving many exposed and at risk of being claimed against personally, if an issue arose.
There are very few specialist insurance products in the marketplace that offer the appropriate, comprehensive cover against these liabilities now faced by engineers and consultants working in the water treatment market. This is mainly due to a lack of knowledge and understanding of the cover required by both insurance companies and those requiring it.
At Reich, following a significant amount of research into the water treatment industry, we have identified the key insurance requirements needing to be in place and developed a bespoke, exclusive scheme to protect water treatment engineers, consultants and companies against the liabilities and risks faced within the industry.
The scheme covers a number of insurance products for engineers, consultants and companies who mainly deal with:
- Cleaning and Chlorination – Disinfection of new and refurbished portable and fixed water system.
- Pre-Commission – Use of small-bore multiport valves and high efficiency fan coil units.
- Specialised Cleaning – Bespoke techniques are developed to meet the customers’ requirements.
- Legionella Risk Assessments and Water Testing – Water testing is undertaken by separate labs.
These covers consist of the following:
Liability – including:
- Public, Product & Employers Liability
- Legionella cover
- Professional Indemnity
- Damage to item being worked upon
- Business Interruption
- Buildings – Material Damage
- Vehicle cover
- Good in Transit
If you feel you require such cover or are concerned you don’t currently have the correct cover in place, contact us today so we can help put the right cover in place and your mind at ease.