Utility boards and administrators sometimes think that being a public entity prevents them from lawsuits. Yet, even small utilities have been successfully sued.

Pollution and contamination … contract penalties … underground piping causing problems with private property … All of these are factors which wise administrators realize makes insurance much more than just a “necessary evil” or useless expense.

Who Needs Water Association Insurance Coverage?

Given the limited budget many Washington water associations operate from, large or unexpected expenses like a lawsuit, could lead to big problems.

The right insurance coverage will help to guard against the biggest (or worst) risks and is a wise move for administrators.

We work with a variety of water associations in Washington, providing:

  • Insurance for Water Companies
  • Insurance for Water Districts
  • Insurance for Waste-Water Systems
  • Insurance for Dams

What’s covered?

At a minimum, a utility needs three kinds of insurance: General liability, Errors and omissions, and Bond coverage. Not all systems have property, so property insurance may not be required.

General liability insurance covers the risk of incurring legal liability to pay money damages in the event that the association is found liable in a lawsuit. If you were ever required to pay damages resulting from legally negligent conduct, this would cover you.

Liability for negligence may result not only from the conduct of the administration of the utility, but also from the conduct of the utility’s agents and employees causing personal injury, death, or private property damage.

Errors and omissions insurance covers claims arising out of actual or alleged breach of duty, neglect, error, misstatement, wrongful hiring or firing, sexual harassment, or financial impropriety committed by the board in providing water to customers.

Because the needs of water associations are so varied, we provided customized coverage and protection for each one on an individual, case-by-case basis. Depending on the needs of your organization, coverage may include:

General Liability

  • Pollution
  • Water contamination
  • Underground pipes
  • Contract penalties
  • Commercial General Liability
  • Personal and Advertising Injury Liability
  • Products / Completed Operations
  • Damage to Leased or Rented Premises
  • Fire Legal Liability
  • Employee Benefits Liability
  • Stop Gap – Employers Liability
  • Volunteers as Additional Insureds
  • Coverage for Fundraising / Special Events
  • Employee Dishonesty

Commercial Property

  • Earthquake
  • Flood
  • Business Income with Extra Expense
  • Electronic Data Processing
  • Newly Acquired or Constructed Property
  • Auto Physical Damage – Storage or When Not “Over the Road”
  • Valuable Papers / Accounts Receivable
  • Green Property Coverage Extension

Wrongful Acts Coverage

  • Directors, Officers and Employee Liability
  • Employment Practices Liability
  • Fiduciary Liability
  • Sexual Harassment, Abuse, Molestation

If your insurance misses just one aspect of the right protection, the operation of your utility could be placed at serious risk.

What about the cost?

Fact is, you can’t afford not to have coverage. Understandably, price is always a concern for water associations. But with a custom insurance policy from Guide Insurance, you are in control of what types and amounts of coverage you want to pay for, and when. So it can be surprisingly affordable.

And talking to a local resource you can trust is the first priority.

The Guide Insurance Services Difference

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to protecting your water association and its public service.

We’re your neighbors. We protect people we know and care about in Washington, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Since 1952, Guide Insurance Services has devoted its knowledge and combined experience in the industry to deliver quality insurance policies to individuals and businesses surrounding Lynden, Washington.


Our team of knowledgeable insurance professionals is experienced in creating personal and commercial insurance policies designed to fit your needs. With Guide Insurance Services, our friendly staff will work with you on a one-on-one basis to develop not only the perfect policy, but a lasting relationship.
Click on the quote request button now and let the professionals at Guide Insurance Services help you forge the strongest shield possible to help you protect the things you care about most.