Property Insurance



P. O. Box 2860 | Greenville, SC | 29601


Program Highlights:

  • Average premium reduction of more than 15% compared to other insurance programs

  • Future possibility of association dividend plan to return more savings to members

  • Provide better insurance protection covering more claims than other programs

  • Safety services to help prevent claims from occurring, including injuries to employees

  • Supports SCRWA by returning income back to the association to help fund member services


Coverage Included

  • Property: Includes covered losses to buildings, contents, equipment and computers.

  • Liability: Coverage for slips and falls on your premises and lawsuits resulting from your operations, including chemicals used to purify water; Includes directors & officers liability and employment liability (termination of employees)

  • Automobile: Coverage for liability causing damage to property or bodily injury to others, plus it covers damage to your vehicles

  • Crime: Includes losses resulting from employee dishonesty and theft of money, plus robbery of money and securities

  • Cyber Liability: Optional coverage providing protection against someone hacking into your computer system and stealing confidential information of your customers or employees

  • Workers’ Compensation: Coverage for all employees if injured on the job


Quote Requirements

  • No obligations if a quote is requested

  • Send in a copy of your current building, auto and equipment schedules

  • Request a loss report from your current agent or the State Insurance Reserve Fund

  • Gallagher will contact you for any additional information needed

For quotes, contact

Heather Kinard  |    |  803.451.3009 
Carey Phelps |   | 864-239-2499


Visit Gallagher’s website here.



“Because of  today’s economy and because of increasing regulation changes in the water and sewer industry, companies are making efforts to reduce or stabilize core business cost such as property / liability insurance as well as worker’s compensation insurance.  Members of the SCRWA Insurance Program will receive much broader insurance protection to include blanket property limits on vehicles, equipment, inland marine as well as buildings, they will also receive directors’ and officers’ liability, contractual liability, employment practices liability and workers compensation coverage.  The partnership between SCRWA and Gallagher has allowed the Association to offer much broader insurance protection to all of its members while saving the Association members 10 to 30% in reduced premium rates.  The greatest advantage to SCRWA members will be in the cost savings, this insurance program to date has consistently provided the Association members with reduced premiums.  These premiums have been lower than the State Insurance Reserve Fund, Private Insurance Companies as well as Insurance Pools across the state.  This cost savings has allowed business to reduce some of their core business cost.  As an example the Blue Ridge Rural Water Company saved nearly $20,000 in premiums just last year.  I would recommend any Water Company that is a member of SCRWA to request an insurance quote from the SCRWA Insurance Program to see how much money you can save!!”
– Brad Powers, General Manager- Blue Ridge Water

“In addition to the substantial savings we received by allowing Gallagher to handle our insurance needs, we enjoy friendly, professional staff that is readily available when you need them. Their technical service is a valuable resource to help develop and maintain a well-rounded safety and risk management program.”
– Will Martin, General Manager- Bamberg Board of Public Works