Broken service line pipes of a commercial building

Commercial Service Line

Protecting building owners from costly service line failures

What is Commercial Service Line coverage?

Commercial Service Line coverage pays to repair or replace owned, exterior underground water and sewer piping, and electrical, gas, propane, data and communication lines that fail or accidentally break down.

Why Commercial Service Line coverage?

  • Service line failures are typically not covered by most commercial property insurance policies.
  • Most commercial building owners are not aware that they own and are responsible for the repair or replacement of service lines on their property.
  • Building owners are also responsible for the repair of outdoor property such as trees, shrubs, driveways and parking lots that are damaged as a result of excavation.

What is a service line failure?

A service line failure is physical damage that results in a leak, break, tear, rupture or collapse of a pipe or line. Physical damage can be caused by wear and tear, accidental breakage and electrical arcing, or environmental conditions such as root invasion, deterioration, and freezing. 

Covered services

Water, except for water used solely for fire suppression purposes, drainage, sewer or septic disposal
Communications, including cable transmission, data transmission, internet access or telecommunications
Electrical power and compressed air
Oil, natural gas, propane or steam

Coverage highlights

Physical loss or damage to a covered service line directly resulting from a service line failure
Direct costs for outdoor property, such as trees, shrubs, plants, lawns, walkways or driveways damaged during excavation required to repair the damaged service line
Business interruption and extra expense incurred during the period of restoration 
Loss to perishable goods due to spoilage resulting from service line failure

Commercial Service Line is available only through insurance companies that partner with HSB. We make it easy and affordable to add Commercial Service Line coverage to commercial property policies of our client insurers, and we provide claim services, form design, underwriter and broker training, and marketing support services.

The coverage may be provided as an additional building owner’s coverage or packaged in a coverage enhancement endorsement.