Water & Sewer Utility Insurance from Barnes Insurance Agency

The staff at Barnes Insurance Agency understands the unique challenges publicly owned utilities encounter in their daily operation that can result in property damage, accidents, injuries and lawsuits. To address these exposures, we offer insurance protection for water and sewer facilities under our utility services program for entities, including for municipalities and counties that serve Eastern Tennessee. We work with insurers that have developed specialized coverages to provide the protection required in the event of a loss.

Customized coverages.

Our water and sewer utility services program includes standard General Liability coverages that can be broadened to include a Contractors’ Commercial General Liability to insure risks associated with maintaining water and sewer mains away from the facility. Within the General Liability policy, we can also offer failure-to-supply limits for water distribution operations. Moreover, a broadened pollution provision is available to address chlorine/sodium hypochlorite in water or sewage purification processes, as well as sewer back-up incidents.

The Property component of the program can be customized for utility businesses as well, including securing Equipment Breakdown Coverage that extends your insurance to cover loss to real and business personal property from the sudden and accidental breakdown of machinery and equipment used in your business. In addition, we can provide you with coverage for underground piping.

Our staff can round out your program with Commercial Umbrella insurance coverage to extend your liability limits over and above your primary General Liability policy. We can also provide you with Public Entity Management Liability coverage and Crisis Event Expense coverage.

Our insurer partners also offer loss control services to help uncover exposures and mitigate risks. Experienced claim professionals are dedicated solely to handling public entity claims, and understand state-specific issues along with having extensive knowledge of the immunities and special defenses afforded to public entities.

Spend less time worrying about the unknown.

Barnes Insurance Agency serves the business communities of Sevierville, Pigeon Forge, Gatlinburg, Knoxville, Maryville, Alcoa, Nashville, Chattanooga, Kingsport, and Johnson City. We will provide you with the personalized attention you need to protect your business, property, assets, employees and customers. Contact us toll-free at 877-279-2500; you can also email us at info@biatn.com.

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