SERVPRO® Franchisees face a number of liability exposures, such as a third-party tripping on a job site and sustaining a serious injury, or work damaging a client’s property.

Commercial General Liability (CGL) insurance helps to cover your legal responsibility when negligent acts result in bodily injury and/or property damage to others.

The Restoration RRG CGL policy includes the following coverage:

• Remediation, Restoration or Construction Operations - Pays for injury or damage arising out of your business operations while such operations are in progress.
• Products and Completed Operations – Provides coverage for claims arising out of products sold, manufactured, handled or distributed, or operations which are complete.
• Personal and Advertising Injury – Covers damages when you become legally obligated to pay for personal injury claims such as libel, slander and invasion of privacy. Advertising injury includes copyright and trademark infringement.
• Damage to Premises Rented Liability – Coverage for fire damage caused by you to a premise you are renting or temporarily occupied by you.
• Medical Expenses – Pays for medical bills for persons injured on your premises or by your operations, regardless of fault.
• Supplementary Payments – Pays for lost wages and other associated expenses due to your required attendance at a legal proceeding covered under the CGL policy.

CGL Coverage	Standard Limits	Increased Limits
Each Occurrence Personal/Advertising Injury General Aggregate Products/Completed Operations	$ 2,000,000 per occurrence $ 3,000,000 aggregate	$ 5,000,000 per occurrence $ 5,000,000 aggregate
Damage to Premises Rented	$ 100,000 Any one-premise
Medical Expenses	$ 5,000 Any one person
Policy Deductible	$ 1,000 each occurrence

General Conditions

• Legal Expenses – Legal costs associated with a covered claim are paid from outside the total policy limits.
• Scope of Work – As of July 1, 2020 the RRRG broaden the CGL & CPL coverage to encompass all work performed without purchasing the optional coverage.  If you have renewed as of July 1, 2020 coverage is in place; otherwise, NO COVERAGE is provided for construction work performed outside your scope of work as a SERVPRO^® Franchisee (unless you have purchased optional coverage for Additional Construction).
• Named Insured – Includes owners, officers, directors, trustees, employees
• Other Business Entities – No coverage is offered for any other business entity unless an application is submitted and approved.
• Exclusion: This insurance does not apply to losses arising out of the reconstruction of buildings or structures that have been declared or determined to be a total loss or to losses arising from new construction. New Construction means any construction of a structure of any kind that did not exist prior to the Insured’s work being performed.

Some exclusions apply.

Supplemental Coverage

Cleaning Work Warranty

Standard Limit (included)	$ 50,000 per occurrence/aggregate
Increased Limit (optional)	$100,000 per occurrence/aggregate
Deductible	$ 1,000 per claim

Pays up to the selected coverage limit to restore, repair or replace a client’s property because your work was incorrectly performed. Extends coverage to damage to property of others arising out of your cleaning operations. Coverage is primary over any other policies issued by Restoration RRG, including the Limited Service & Repair policy.

Employee Benefit Liability

Limits	$ 100,000 per employee/aggregate
Deductible	$ 1,000

Provides insurance for the sums you become legally obligated to pay as a result of damages sustained by an employee, former employee, beneficiaries or legal representatives caused by any negligent act, error or omission in the administration of an employee benefit program (such as a group life, health or disability insurance, a 401K plan, profit sharing plan or others).

Lost Key Coverage

Limits	$ 5,000 each occurrence/$10,000 aggregate
Deductible	$ 250

Should keys in your care or your employees care be lost or mysteriously disappear, pays for the cost to replace keys, adjust locks or for new locks including cost of their installation.

Stop Gap – Employers Liability Coverage                                            

Bodily Injury by Accident	$ 100,000 each accident
Bodily Injury by Disease	$ 100,000 each employee
Bodily Injury by Disease	$ 100,000 aggregate

Helps protect you for claims brought by employees for work-related bodily injury or disease. Available in ND, OH, WA, WY only.

Franchise Professional Liability
This endorsement is for SERVPRO^® trainers and/or directors only. It adds coverage for losses incurred as a result of errors and omissions while conducting franchising services such as marketing, advertising, training or other activities.

Terrorism Risk Insurance Act
TRIA is coverage for a loss as a result of an act of terrorism and is included on all full GL policies for no additional premium.

Equipment Leasing Liability
Extends liability coverage to a SERVPRO^® Franchisee who leases their equipment to another party. ​​​​