NCUWI,
Generally speaking a 1 million general liability policy for you (or your company) should suffice for most municipalities.
Workmans comp is going to vary from state to state, but if your doing the water tank yourself and your the only employee of your company (an LLC) workmans comp is not generally required. You pay workmans comp through your state anyways, so if your paying it, your covered. When most private companies buy workmans comp coverage, they are usually covering themselves, or getting a better deal on the state provided coverage through a private broker.
The equipment coverage… If you find someone who has reasonable rates let me know. What I mean is, I’ve looked into getting insurance when I was leasing some gear. For a fairly simple job it was about 10% of the gears worth…. That to me is a bit excessive. If all your looking to do is water tanks, the biggest problem your going to have is getting hung up on a zinc rod, or something else in the tank. With a little bit of practive and training you should be able to avoid getting hung up. What I would recommend is getting together with a dive company and come up with a favorable deal so that if you get stuck and can’t extract yourself, they’ll come get you out on the cheap, either that or call me and we’ll get you out 🙄
Also Steve Van Meter also has areally good explanation at :
http://www.rovinfo.com/viewtopic.php?f=29&t=467&sid=77ae1cee276e8261caf13b236c905241
If you have any other questions, please feel fre to ask.
Chief
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