Water supply and Sanitation

Drinking water supply and sanitation in India continue to be inadequate, despite longstanding efforts by the various levels of government and communities at improving coverage. At the same time, local government institutions in charge of operating and maintaining the infrastructure are seen as weak and lack the financial resources to carry out their functions.

A number of innovative approaches to improve water supply and sanitation have been tested in India, in particular in the early 2000s. These include demand-driven approaches in rural water supply since 1999, community-led total sanitation, a public-private partnership to improve the continuity of urban water supply in Karnataka, and the use of micro credits for water supply and sanitation in order to improve access to water and sanitation.

Due to inadequate pressure, people struggle to collect water even when it is available. This results in contaminated water and forces households to complement a deficient public water service at prohibitive ‘coping’ costs. The poor suffer most from this situation.

Most Indians depend on on-site sanitation facilities which mean mainly pit latrines in rural areas. In rural areas, the government has been promoting community-led sanitation approaches such as the Total Sanitation Campaign, with some success. In urban areas, a good practice example is the Slum Sanitation Program in Mumbai that has provided access to sanitation for a quarter million slum dwellers.

A specific Indian problem is also the (officially prohibited) “manual scavenging” which is connected to the officially banned caste system, and relates to unsafe and undignified emptying of toilets and pits, as well as handling of raw, untreated human excreta.

Desired Product for entities in sector:

• Directors and Officers Liability for Water supply and Sanitation Industry
  
• Crime Insurance for Water supply and Sanitation Sector
  
• Commercial and General Liability for Water supply and Sanitation Industry
  
• Pollution and Legal Liability for Water supply and Sanitation Industry
  
• Contract Works insurance (CAR/EAR/CPM/ALOP)
• Group Personal Accident Insurance for Water supply and Sanitation Sector
  
• Group Overseas Travel Insurance for Water supply and Sanitation Industry
  
• Kidnap, Ransom & Extortion for Water supply and Sanitation Sector
  
• Credit Risks Policy for Water supply and Sanitation Industry
  
• Terrorism Insurance
• All Risk
• Electronic Equipment for Water supply and Sanitation Sector