legionella insurance

What’s the Big Deal About Legionella?

According to the Centers for Disease Control, as many as 18,000 Americans are hospitalized each year with Legionnaire’s disease, an infection caused mainly by microscopic bacteria called legionella pneumophila that occur naturally in the environment. Water is legionella’s breeding ground, and just like you, it likes it warm. Legionella insurance can protect your business if this nasty little bacterium decides to start a family in your plumbing system or any other breeding ground at your business or property.

Legionella’s Turf

Legionella is commonly found in lakes and rivers, but it’s also particularly fond of industry. Some of the bacteria’s favorite spots include:

  • Large-scale plumbing systems
  • Water cooling towers
  • Hot water tanks
  • Hot tubs
  • Water systems that use an evaporative condenser
  • Water systems that release a spray of warm water, such as spas, aerators, and shower heads (both in use and just for maintenance practices)

Protect Your Water

The bad news is, that’s an extensive list of legionella hangouts, which means legionella is a concern for a plethora of industries and services. The good news is, more and more insurers are offering legionella insurance to protect against the liabilities, costs, and damages — both structurally and to your reputation — posed by a legionella outbreak. If you’re a building, property, or plant owner who deals with water, the threat of Legionnaire’s disease should not be ignored. Choose a water treatment insurance plan that offers coverage for legionella-related liability claims, and keep your property, and peace of mind, protected.

What You Want to Know About Insurance for Legionella

There’s a lot to keep track of with water management and legionella insurance may not be the first thing to cross your mind. However, this may be something you want to ensure is in your water treatment plan. Here are a few reasons why.

What Is Legionella

Legionella is a naturally occurring bacteria that grows best in warm bodies of water. Is has been known to make people ill and on average between 8,000 and 18,000 cases are reported each year.

Why Insurance is Important

In the event there was a Legionella contamination and your company was responsible for the water management of the source, there is a chance you could be held liable. There are many regulations regarding the bacteria and what has to be done when it’s found, and your coverage can help with these costs.

What are the Coverage Options

Coverage options may vary depending on what is offered by your insurance company. Many plans include coverage under the liability section of your plan. Other companies offer insurance policies specifically for Legionella. It’s best to consult with your insurance professional to see what is covered by your plan and to determine if you want to add extra coverage.

Having Legionella insurance is an important aspect of water management. These bacteria can make many people ill so knowing you’re covered if something did happen can bring peace of mind. If you’re looking at Legionella coverage it’s best to talk to your insurance professional.