Liability Insurance Protection

If you own or operate a water system, liability insurance can protect you from the consequence of certain rare and potentially devastating accidents. All water supply systems should have liability insurance coverage in place. It provides protection against loss arising from claims made against your system. If you are found legally liable for property damage or bodily injury, liability insurance will respond.

How to Obtain Liability Insurance

  1. Become a Registered User: Become a Registered User
  2. Complete your water system profile: Water System Profile
  3. Go to: Applications and Enquiries.

How to Renew Your Liability Insurance 

To renew your liability Insurance protection please contact the broker shown below. 


The liability insurance program offers affordable premiums, and rewards those who have well-run systems through further premium discounts. The program has coverage for failure to supply, health hazards and several other important events. It provides coverage on an occurrence basis, and coverage is extended to you as soon as the application is "bound" by the broker. Benefits including the following:

  • Group Buying power allows premiums as low as $1,500
  • Standard coverage provides a high limit of $5,000,000.00 (Higher limits are available upon request.)
  • Coverage is Occurrence Based , not the more restrictive Claims Made
  • Your product (water) is covered
  • No Failure to Supply exclusion
  • No Health Hazards exclusion
  • Broad form Fire Fighting coverage
  • Limited Pollution Coverage
  • Volunteers are covered
  • Simple and fast online application

Industry Partners

After you have submitted your liability insurance application form you will be contacted by an experienced broker from Capri CMW. If you have question please contact:

Marlee Pateman, CAIB (HONS),RIBO 
Commercial Risk Advisor

T 250 869 3914 TF 1 800 670 1877


100 - 1500 Hardy Street
Kelowan BC V1Y 8H2


This page contains general information only and is intended to provide an overview of the insurance coverage. This information is not intended to constitute legal or other professional advice. Please consult our Industry Partners for more information.