Liability Insurance

Registered On-Site Wastewater Practitioners - Liability Insurance

Arthur J. Gallagher Canada Limited

Globally Known

Arthur J. Gallagher & Co. (NYSE: AJG) was established in Chicago in 1927 and has grown to become one of the world’s largest insurance and risk management companies. We have more than 20,000 employees and a global network of partners. Our reputation has been earned by providing client-first service in 140 countries from Canada to the Caribbean, the UK to Australia, and from Latin America to Asia.

As part of this established, international company, Arthur J. Gallagher Canada Limited confidently provides tailored risk management and insurance solutions to protect what you have and position your business for growth. With our global network and insurance company relationships, we give our clients a competitive edge and increased flexibility, helping them thrive.

Locally Grown

Through acquisitions, Gallagher has grown to become one of Canada’s largest insurance brokerage and risk management companies. With the purchase of Noraxis Capital in 2014, we expanded our presence and expertise of eight well-established, high-caliber insurance brokerages from across Canada. We continue to add more Canadian brokerages, and we now have more than 25 offices and over 800 insurance professionals across the country. On January 1, 2016 Christie-Phoenix (Victoria) Insurance Brokers joined Arthur J. Gallagher Canada Limited.

The British Columbia Onsite Sewage Association (“BCOSSA”) has over 1,000 members who work within the sewage industry. These primarily small operators are licenced to plan, inspect, install, service and maintain on-site wastewater systems. The work completed by these operators is mainly being done on individual septic systems; however, small treatment facilities of up to 22,000 litres a day are also included.

The works completed by these Registered On-Site Wastewater Practitioners have unique exposures that would be difficult to place in regular insurance markets. Pollution liability, Design & Build Errors and Omissions are examples.

Injury to a person or damage to property are exposures that an operator can be exposed to while working at a job site that would be covered under general liability. The Negligent operations or resultant damage to faulty workmanship would also be covered. For example, breaking a water main causing local businesses to shut down resulting in lost income would be covered.

Full Pollution would cover a situation where sewage leaks into a drinking water reservoir or into a fish bearing stream or river and there are clean-up costs involved, and/or fines and penalties.

Errors and Omissions coverage for such things as installed systems that do not meet the requirements of the Health Act and the system fails due to a design error.

The Registered On-Site Wastewater Practitioners Program will provide competitive premiums while harnessing the power of AJG to provide the best service and insurance solutions to our clients with no policy issuing fees.

Coverage Options

Option #1

Commercial General Liability & Contractors Pollution LiabilityCovers BCOSSA Members who install and maintain systems only.

  • Commercial General Liability Base - $1,000,000.
  • Contractors Pollution Liability -$1,000,000.
  • Deductible - $2,500.
  • Minimum Premium - $1,125.00
    • $2,000,000 Option – Minimum Premium -$1,400.
    • $5,000,000 Option – Minimum Premium - $2,000.
  • No Policy Fee’s

Option #2

Commercial General Liability, Contractors Pollution Liability and Errors & Omissions Coverage. This Coverage option is recommended for BCOSSA Members who are engaged in planning, installing and maintenance of systems.

  • Commercial General Liability Base - $1,000,000.
  • Contractors Pollution Liability -$1,000,000.
  • Errors & Omissions - $1,000,000.
  • Deductible - $2,500.
  • Minimum Premium - $2,150.00
    • $2,000,000 Option – Minimum Premium -$2,675.
    • $5,000,000 Option – Minimum Premium - $4,250.
  • No Policy Fee’s

Application Form

Piers Finch-Noyes, BComm

Account Manager

Christie-Phoenix (Victoria) Insurance Brokers, part of Arthur J. Gallagher Canada Limited

4430 West Saanich Road, Suite 101 | Victoria, BC V8Z 3E9

office: 250.386.1454 | fax: 250.386.0604

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