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Commercial Service Line coverage

Critical protection for small businesses

A service utility line breakdown can cost thousands of dollars

A breakdown to a service utility line can cost a building owner or a business thousands of dollars in repairs and downtime. Many small business owners assume those breakdowns are covered under their business owner policy (BOP). The building owner or business is responsible for underground piping and wiring to the building, including those for:

  • Water
  • Electricity
  • Gas
  • Heating
  • Communications, including cable and data lines

Helps pay costs for service line failures

HSB’s Service Line coverage can be added to a BOP to help close the property coverage gap. It covers multiple types of utility lines and can help pay for breakdowns caused by:

  • Deteriorating lines
  • Accidents with tools and machinery during excavations
  • Damage from heavy equipment moving above underground lines
  • Freezing
  • Erosion
  • Root invasion

Covers loss of income and other expenses

Small businesses will get additional benefits with HSB Commercial Service Line coverage. It also covers costs for:

  • Loss of business income
  • Expediting expenses
  • Efficiency improvements
  • Spoilage of perishable goods

Service Line coverage is easy to add

Service Line coverage is available through insurance companies that partner with HSB. It’s easy and affordable for them to add it to their customers’ business owner policies. It includes HSB claim services, form design, state filing support, agent training, and marketing support services.

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