Florida Insurance Alliance
Water & Sewer

When water resources or sanitation systems are insufficient for the population, people fall prey to disease, dehydration, and in extreme cases, death. Thanks to the services of Florida’s Water & Sewer Districts, Florida residents can rest assured they are drinking safe, high-quality water.

Florida’s Water & Sewer Districts are responsible for ensuring adequate water supplies for people, animals, and the environment. This involves the treatment of hundreds of millions of gallons of water to simultaneously satisfy the needs of our communities while preserving Florida’s ecosystem. Their mission is critical to enhancing the quality of life to Florida residents in the following ways:

  • Ensuring canals, lakes, and beaches stay clean and devoid of sewage that not only smells bad but could also negatively impact the health of the population and destroy the environment
  • Making sure that Florida residents, businesses and visitors have access to excellent-quality drinking water as well as a top-notch disposal service for wastewater
  • Undertaking water conservation projects to ensure future generations also have access to clean water
  • Protecting the environment
  • Safeguarding public health
  • Ensuring the cost-efficiency of all services provided

Florida Insurance Alliance (FIA) supports the commitment of Florida’s Water and Sewer Districts to preserving our well-being and quality of life. As a member controlled insurance purchasing group, FIA provides affordable property and liability insurance to meet the needs of Florida’s Water and Sewer Districts as they protect our most vital natural resource.

As the trust administrator of FIA, Egis Risk Advisors offers all of the following FIA coverages:

Property & Inland Marine
Boiler & Machinery
General Liability
Public Officials Liability
Employment Practices Liability
Crime
Auto Physical Damage
Auto Liability
Cyber Liability
Workers’ Compensation

Who We Serve

Charter Schools
Community Development
Water & Sewer
Water Drainage
Improvement Districts
Soil & Water Conservation
Mosquito Control

Property & Inland Marine

Your organization’s physical assets such as buildings, personal business property, equipment, and the personal property of others are at risk of loss. Property Insurance will cover this risk and can be on an “All Risk” or specified perils basis.
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Boiler & Machinery

Boiler & Machinery coverage for physical damage and financial loss from equipment breakdown which can include the cost of repairing or replacing the damaged equipment, and the business losses arising from the equipment not functioning. Protection for a wide range of equipment, including HVAC systems, ovens, boilers and furnaces, refrigeration units, elevators, and office equipment.
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General Liability

In order to protect your business against liability claims for bodily injury and property damage from third parties, General Liability Insurance is important. This type of insurance protects your business against operations, products, and completed operations liability as well as advertising and personal injury liability.
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Public Officials Liability

Public officials liability includes “wrongful acts” by a public official such as actual or alleged errors, omissions, misstatements, negligence, or breach of duty in his or her capacity as a public official or employee of the public entity.
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Employment Practices Liability

Wrongful acts that happen during employment such as wrongful termination, discrimination, sexual harassment, and retaliation are covered by this type of insurance. This policy also covers claims from inappropriate workplace conduct, including (but not limited to) employment-related: defamation, invasion of privacy, failure to promote, deprivation of a career opportunity, and negligent evaluation. Employment Practices Liability does not cover for bodily injury, property and intentional/dishonest acts. The policies are made to protect directors and officers, management personnel, and employees as Insureds. EPLI policies are written on a claims-made basis.
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Crime

Crime insurance ensures protection from losses resulting from governmental entity-related crime. Protection can cover merchandise, money or other property loss when a company is victimized by someone perpetrating embezzlement, forgery, robbery, securities theft or another form of business-related crime.
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Auto Physical Damage

You will be insured if your own vehicle is damaged from perils such as collision, vandalism, fire, and theft.
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Auto Liability

If your automobile is liable for damage caused to others or their property you can be protected against financial loss with this type of insurance.
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Cyber Liability

Cyber Liability provides coverage for security or privacy breaches including data loss. Coverage also available for loss of income from a resulting business interruption.
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Workers’ Compensation

There are two parts to this type of insurance that protect an employer against injuries sustained by employees. Part One of the policy covers the employer’s statutory liabilities under workers compensation laws. Part Two of the policy covers liability arising out of employees’ work-related injuries that do not fall under the workers compensation laws.
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