The Health Protection Agency recently reported that hotter temperatures create ideal conditions for bacteria growth, including Legionella bacteria. Increasing bacteria levels can lead to disease breakouts that create liability for water treatment plants. A well-rounded risk management strategy includes bacteria insurance to mitigate against the following types of claims.

Legal Actions

Water treatment businesses can use insurance to manage rising legal defense costs. Should disease due to waterborne bacteria be discovered, litigation could be lengthy and expensive. Insurers that specialize in bacteria insurance can tailor insurance contracts depending on possible exposures.

Pollution Damage

Most general liability policies do not cover damage from pollution caused by bacteria growth. Other types of pollution risks include the escape of chemicals, pesticides or herbicides in the water. Fuels and lubricants can also make their way into water treatment facilities, as well as sewage and other types of contaminants that are threatening to human life. Full coverage frequently includes the cost of cleanup and removal.

Professional Liability

Water treatment facilities should carry insurance to cover engineers or technicians who may make errors that result in consumer sickness or death. A filed lawsuit typically triggers this type of coverage.

Comprehensive insurance coverage for water treatment plants often requires specialized policies that cover incidents outside the scope of general liability limits. Bacteria insurance policies are typically written by insurers familiar with the water treatment industry.