NDIRF Introduces Public Back-Up and Water Main Break Coverage Endorsement

Bismarck, ND – The NDIRF is pleased to introduce the Public Sewer Back-Up and Water Main Break Coverage Endorsement, designed to support municipalities and their residents when sewer back-ups or water main breaks occur.

This endorsement promotes health and safety by encouraging prompt cleanup efforts and helps foster goodwill between cities and citizens, even when the municipality is not legally liable for the damages.

A base per-occurrence coverage limit of $10,000 per claimant per occurrence is available. Optional per-occurrence coverage limits, subject to underwriting review and approval, include:

• $25,000 per claimant per occurrence
• $40,000 per claimant per occurrence

Additional per-occurrence limits include:

• $250,000 for water main breaks
• $1,000,000 for sewer back-ups

An aggregate policy limit of $2,000,000 applies. Coverage is excess over any applicable property owner coverage/insurance. Members and agents are encouraged to review the endorsement form for complete coverage terms, conditions, and exclusions.

Sewer back-up claims are among the most challenging losses faced by municipalities and are often uninsured or underinsured under standard homeowner policies. This endorsement provides cities with a practical tool to reduce health hazards, address cleanup needs, and strengthen community trust.

Education and risk management remain the most effective defense against sewer and water system losses. Many sewer back-ups are caused by general debris blockages from improper items, such as disposable diapers, being introduced into the sewer system.

The NDIRF remains committed to supporting members through enhanced risk management training and citizen education initiatives. Additional resources and toolkits are currently being developed for use by municipalities.