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WaterColor Management
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Quality.Experience.Dedication
Quality.Experience.Dedication

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Your insurance policy is a unique contract between you and the insurance company. Your obligation to that agreement is more than just paying the premium when it’s due or completing an audit. You have other duties to perform and conditions to meet if you want the insurance company to help you out when a claim or suit for damages arrives:
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You may use others to do work or provide services on your behalf, as an independent or subcontractor. Try and negotiate the wording. You may or may not have any success. If they decline to offer relief, you may want to consider using another facility that is more willing to be flexible on liability:
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Cyber attacks and breaches can easily lead to potentially catastrophic losses for you and your business. Here are the three main cyber exposures that businesses need to be concerned with:
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Every conventional commercial liability policy specifically excludes lead and pesticides from coverage. They are either excluded as a pollutant or they are specifically named and excluded in addition to being included in the standard pollution exclusion commercial liability policies have. But why is lead excluded?
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Water treatment companies often install water filters and similarly-related filtration devices at client locations. One claim that may result from these devices is that the installation develops a leak that is undetected for a period of time. Unfortunately, slow leaks are particularly hard to detect until the resultant water damage becomes visible to the client’s property:
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An excess policy provides additional limits of coverage above the primary policy. The excess may cover pollution only or general liability only. It may or may not provide excess coverage over your errors and omissions/professional liability:
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Many providers of water treatment may sell products they develop and use in the treatment of water. Our commercial casualty policy provides protection for the injury or harm these products may cause another or to another’s property.
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Those believing in water witching and dowsing rods don’t have to worry about coming up with dry holes and being sued, because they are not considered to be professionally credentialed. However, groundwater geologists and engineers are well aware of their exposures to general, professional, pollution and products liability/completed operations risks:
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Running a business has its ups and downs. But no matter how successful your business is, there is still a probability of running into some risks. This is where insurance business comes in.

Business insurance is a form of risk management mainly used to hedge against the risk of any potential financial loss. If you still do not have one for your business, here are some reasons to prod you to get one:

1. It prevents and minimizes financial losses.
We cannot foresee accidents, but there are some ways you can do to prepare for it. Having insurance is one great way.

2. It keeps your business up and running
Sudden unfortunate occurrences, like natural disasters, may lead the business to stop its operations, temporarily or permanently. Insurance helps minimize the risks obtained due to said occurrences so that the business can still continue its operations regardless.

3. It protects your employees.
Insurance does not only protect your business, but it can also protect your business’ most valuable asset—your employees.

WaterColor Management specializes insurance business for water treatment and water handling businesses. Feel free to call 256-260-0412.
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WaterColor Management has developed highly specialized coverage forms for businesses in the water treatment and handling business. Visit www.watercolormanagement.com/index.php/water-management-insurance-in-decatur-alabama for more details #WaterColorManagement
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