MR. ROOTER PLUMBING

At minimum: general liability at $1,000,000 per occurrence and $2,000,000 aggregate on an occurrence form, commercial auto at $1,000,000 combined single limit for any auto, workers' compensation at statutory limits with $1,000,000 employers liability, and a commercial umbrella at $2,000,000. Review your executed franchise agreement for the current complete list and confirm whether additional insured, primary and non-contributory, and waiver of subrogation endorsements are required.

Mr. Rooter SPV LLC is the franchisor and the entity that belongs on your certificate as additional insured where required. Your legal business entity — your LLC or corporation — is the named insured. These are two separate roles on two separate lines of the certificate.

Not automatically. The standard general liability policy contains a subcontractor exclusion that removes coverage for damage caused by independent contractors. An endorsement addresses this — but only for subs who carry current certificates of insurance. Expired certificates remove the protection the endorsement provided.

Standard general liability policies apply the pollution exclusion to sewage releases and chemical contamination. A contractors pollution liability policy covers these events. For any Mr. Rooter franchisee performing sewer, septic, or chemical drain work, the standard general liability pollution exclusion is a real and active gap — not a theoretical one.

The Done Right Promise is Mr. Rooter's branded workmanship guarantee. It creates a professional obligation to customers beyond the scope of ordinary service delivery. If a customer frames a claim as a failure to meet that professional standard — particularly in a commercial setting — the claim may have an errors and omissions component that standard general liability does not cover. Errors and omissions insurance addresses this gap.

Standard plumbing work is classified under NCCI code 6400 — Plumbing, Heating and Air Conditioning. Sewer excavation, trenchless pipe bursting, and CIPP lining are classified under NCCI code 6010 — Excavation, which carries a higher rate. If your technicians perform both types of work, both codes should appear on your workers' compensation declarations page. A policy built on only NCCI 6400 will produce an audit adjustment for the excavation payroll at year end.

Not under your commercial auto policy unless hired and non-owned auto coverage is included and confirmed in your declarations. Personal auto policies exclude business use. Non-owned auto coverage extends your commercial auto policy to employees using personal vehicles on business. Confirm it appears on your declarations page before the next job where a personal vehicle is involved.

The subcontractor exclusion in your general liability policy removes coverage for property damage and bodily injury caused by independent contractors working on your jobs. It is addressed by endorsement if your subcontractors maintain current certificates of insurance. An expired certificate eliminates the protection the endorsement provides.

Workers' compensation is required for employees. If 1099 workers are classified as independent contractors, the requirement may not apply to them directly — but at year-end audit, any 1099 payroll you cannot document with a current certificate of insurance is treated as your payroll and charged premium. The practical implication: require certificates from every 1099 worker before they start any job.

Yes. Commercial auto at $1,000,000 combined single limit for any auto — including hired and non-owned — is required. Confirm in your executed franchise agreement. Personal auto policies exclude business use and do not satisfy this requirement.