Water District Insurance

Utilities Insurance ProgramHome Water cooler1 - Water District Insurance

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

More than fifteen years ago Bernard Insurance Agency begin insuring water companies and water districts helping them identify their unique exposures and providing the coverage to protect them from those exposures.  Time and experience has broadened this program and now our companies offer a full range of superior coverage to water and wastewater companies of all sizes, smallest to largest.  When you choose Bernard Insurance, you also inherit a legacy of:


Outstanding Service

  • A- (Excellent) Rated Underwriting Companies
  • Rapid Response
  • Experienced Claims Service
  • Expert Insurance Service in Your Industry

Incredible Dedication

  • Personal Account Management
  • Toll Free Service Team Number

Unequaled Stability

  • Over 25 Years in Business
  • Financial Secure Underwriters

Unmatched Flexibility

  • Accommodating Underwriting Guidelines
  • Coverage Tailored to Your Needs


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Comprehensive insurance providing financial protection against the loss of, or damage to, real and personal property caused by such perils as fire, theft, explosion, vandalism, malicious mischief, etc.




Comprehensive coverage protecting specifically defined object groups from perils which include Explosion, Water Damage, Ammonia Contamination, Spoilage and Contamination, Business and Service Interruption and various other named perils according to schedule.


Comprehensive insurance to cover liability for injuries or property damage sustained by third party persons.  It covers accidents occurring on or away from your premises, as a result of business operations.  It is on an occurrence basis.

  • Products Contamination / Products Liability – Provides liability coverage for consumers who may become sick / ill from your water supply.
  • Failure to Supply – Covers losses as a result of lack or complete interruption of water.
  • Pollution Liability – For named perils
  • Dam / Downstream Liability – Provides liability coverage for catastrophic loss in the event of dam collapse / failure, including down stream exposures / losses.
  • No Lead Exclusion – Standard lead exclusion is deleted from policy.

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Comprehensive coverage minimizing liability and maximizing legal protection on behalf of a company’s Directors, Officers, Major Shareholders, and / or Public Officials in the event of incurring management losses.





Comprehensive coverage includes replacement of monies and securities lost, damaged, destroyed or stolen from and insured’s premises or in transit; and Employee Dishonesty covering fraudulent of dishonest acts by employees.


Comprehensive coverage is available in a broad or schedule form to respond to specific auto coverage needs.  Coverage includes broad limits of liability; uninsured and underinsured motorist protection; non-owned and hired automobiles; employers’ non-ownership liability and comprehensive and collision coverage.


Includes coverage for Electronic Data Processing (computer hardware and equipment), Contractors’ / Mobile Equipment, including backhoes, portable generators, handheld devices, etc., and On and Off Site Equipment Coverage.  Note: Coverage highlights are for illustration purposes only and does not alter the terms of any policy. Actual Policy will indicate where coverage is afforded.


Employers Liability and Workers’ Compensation coverage provided for employees, Directors and or Officers.

If you would like more information on the Bernard Insurance Agency Utilities Insurance Program, please call us at 1-800-256-9124 or email us at johnny@bernardins.com.

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