@EmeraldReverie, hi dude I believe it's safe to. If you use it in the water the girls will be fed by it and when the insects try to eat the plant will also eat the neem, killing them. I think pulverized is the typical use because many of us use it when the plagues already hit the plants, but I think in the water is good as preventive. I also read the neem used in the water keeps active around a month in the substrate, but if sprayed it last only by a week. Hope the info is useful but keep in mind I'm a rookie in gardening and my opinion is based on experiencie and info recollected over the Internet.
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