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The big difference between SWIP (Sewer & Water Insurance Plans) and other programs is that SWIP is not a warranty or opt-in program. It’s a turnkey, customized solution and partnership approach that meets the needs of the homeowner and the municipality.

If you are a homeowner looking for this type of insurance, contact your municipality to ask them to learn more about our program.

Please not that we do not provide coverage for individuals, homeowners, etc.

In March 2020, SWIP was featured on Municipal Sewer & Water Magazine!

Download our brochure!

Here are some reasons why municipalities choose to partner with us:

Rest assured that your sewer and water lines will be repaired ASAP.

Neither you nor your residents will be assessed a deductible.

Cover all repairs up to $15,000 (actual coverage amount is negotiated in contract). Many programs only offer partial coverage for water and sewer lines.

Repairs meet EPA standards and requirements and help you avoid costly fines.

Many programs exclude preexisting conditions. We don’t.

Sandy Utah Case Study: “Our Residents Are Extremely Happy”

The Sandy Suburban Improvement District (SSID) in Sandy, UT implemented the Sewer Water Insurance Program (SWIP) in October 2014. SSID maintains approximately:

  • 165 miles of pipe.
  • 3,200 manholes.
  • 10,000 residential connections.

Since implementing the program:

  • 1,001 homeowners claims were received.
  • 639 resulted in repairs.
  • Most repairs were made using CIPP lining, followed by spot repairs and pipe bursting technology.
  • The overall health of SSID’s lateral system was much improved.

“Our residents are extremely happy,” says SSID general manager Jerry Knight. “We went with SWIP because of its ability and willingness to customize our program and provide a total solution,” says Knight. The groundbreaking insurance program has allowed SSID to ensure the holistic health of their entire sewer system including assessment, rehabilitation, and repair of all the nearly 10,000 private lateral lines.

SWIP’s Growth

SWIP’s groundbreaking insurance plan allows you to ensure the holistic health of your entire sewer system including assessment, rehabilitation, and repair of your municipality’s lateral lines. Thus, we have seen steady growth each year.

  • In 2015, there were 145 total claims and 93 total repairs.
  • In 2016, there were 166 total claims and 100 total repairs.
  • In 2017, there were 180 total claims and 103 total repairs.
  • In 2018, there were 143 total claims and 89 total repairs.
  • In 2019, there were 128 total claims and 95 total repairs.
  • In 2020, there were 124 total claims and 81 total repairs.
  • In 2021, there were 115 total claims and 78 total repairs.
  • In 2022, there were 106 total claims and 68 total repairs.
  • In 2023, there were 86 total claims and 55 total repairs.

How your municipality will benefit?

  • Avoid arguments over who is responsible for lateral repairs
    Your residents will call to thank you instead of complain when their lines break.
  • Affordable solution for your residents
    No longer will residents have to pay out of pocket in the event of a broken line.
  • Repairs meet EPA standards and requirements
    Rest assured that your municipality won’t be fined by the EPA or damage the environment.
  • Eliminate stress by avoiding all the headaches from lateral line problems
    We manage all aspects of the repair process, freeing up your staff’s time and sanity!

Sewer and Water Insurance Plans (SWIP)


Marketed/billed through municipalityYes - Flexible
Individually marketed and billed to residentsYes - Flexible
Can be purchased by municipalityYes - Flexible


Sewer lateral repair limit$15,000 per year
Water lateral repair limitAvaliable
Service charge per call$0
Program scrutinized by insurance policyYes - Flexible


Improper maintenance/faulty constructionYes - Flexible
Rake and re-seed affected areasIncluded
Restoring gardens, shrubs, trees, or structures. ($500 per shrub, tree, bush or structure up to policy, sub-limit of $2,500)Included
Restoring private sidewalks, driveways or other surfaces not required by permitIncluded
Restoring public road, sidewalk required by permitIncluded
Acts of God: floods, landslides, sinkholes (excluding earthquakes)Included
Loss to unoccupied homeowner over 30 daysIncluded

*Other limits available

About EIB

Evolution Insurance Brokers specializes in providing solutions for your unique lateral line insurance needs. Our success has been built on our reputation as the market’s true solution for hard-to-place risks. We have a unique ability to provide you with custom underwriting expertise and offer innovative solutions when other carriers decline coverage.

Call us for your FREE evaluation

Evolution Insurance Brokers
8722 S. Harrison Street
Sandy, UT 84070
801-304-5535 for Nikole Shields
801-304-5569 for Abby Fuelling


If you are a homeowner experiencing a sewer backup problem and your sewer district has enrolled in SWIP, please contact us immediately by calling our 24×7 hotline.
801-304-5535 for Nikole Shields
801-304-5569 for Abby Fuelling