SERVICEMASTER RESTORE

For ServiceMaster Restore specifically, the 2025 FDD (Item 8) requires: General Liability at $1,000,000 per occurrence / $2,000,000 aggregate ($2,000,000 occurrence for SRM Franchises); Commercial Auto at $1,000,000; Pollution Liability at $1,000,000 ($2,000,000 SRM) covering mold, asbestos, silica, and biohazards; Construction Services Liability at $3,000,000/$4,000,000 if you provide construction services; an umbrella scaling from $1M to $2M on Gross Service Sales ($5M+ for SRM); Workers' Compensation with $500,000 employers liability and stop-gap in OH/ND/WA/WY; a crime policy covering theft of client property; cyber scaling with Gross Service Sales; and professional liability at $2,000,000 for SRM Franchises. ServiceMaster Clean/Restore SPE LLC must be named additional insured.

ServiceMaster Clean/Restore SPE LLC, a Delaware limited liability company at One Glenlake Parkway, 14th Floor, Atlanta, Georgia 30328. The FDD requires the franchisor and its affiliates to be named additional insureds. The standard construction is: ServiceMaster Clean/Restore SPE LLC, its parents, subsidiaries, affiliates, successors, and assigns.

Large commercial and national-account work is where ServiceMaster Restore's SRM tier applies, and the limits jump: $2,000,000 occurrence GL, $2,000,000 pollution, a $5,000,000 umbrella, and $2,000,000 professional liability. A standard-tier certificate will not satisfy a commercial account or vendor program operating at SRM levels. If commercial work is the growth path, build to the SRM tier before the referral arrives.

Only if you carry the Construction Services Liability the FDD requires for reconstruction — $3,000,000 per occurrence and $4,000,000 aggregate. Reconstruction carries a completed-operations tail that a mitigation policy was not built for, and a standard GL can contest coverage for subcontracted construction work under its "your work" and subcontractor provisions. If you cross from mitigation into reconstruction, add the construction policy and confirm products and completed operations.

Pollution liability — Contractors Pollution Liability — covers bodily injury, property damage, and cleanup from pollutants released by your work. ServiceMaster Restore requires it at $1,000,000 ($2,000,000 for SRM) and names mold, asbestos, silica, and biohazards as covered perils. A standard general liability policy excludes all of them. Confirm the form delivers every named peril — especially silica, which standard forms sometimes miss.

A bailee holds another person's property for a purpose. When your crew packs out a customer's contents during a restoration job, you are a bailee with a legal duty to return the property undamaged. Standard general liability and standard commercial property both exclude property of others in your care. ServiceMaster Restore recommends bailee at $150,000 and transit at $50,000 — recommended, not required, so you must choose to carry it. Rikor's benchmark treats it as a core line and sizes it to your largest realistic pack-out.

A full ServiceMaster Restore program — GL, pollution, auto, WC, umbrella, cyber, and crime, plus professional liability and a $5M umbrella at the SRM tier — for an established territory commonly runs $16,000 to $32,000 per year, with SRM operations at the top and beyond. The FDD's Item 7 estimate of $8,800 to $19,350 reflects a standard-tier startup and does not capture the SRM limits or higher Gross Service Sales bands.

The 2025 ServiceMaster Restore FDD Item 7 estimates $8,800 to $19,350, due before opening. That figure reflects a standard-tier startup and functions as an initial outlay, not the full annual cost — and it excludes the SRM-tier requirements. As Gross Service Sales grow and limits step up, the real annual cost rises.

Yes. ServiceMaster Restore requires workers' compensation as the state mandates, with $500,000 employers liability and stop-gap coverage in Ohio, North Dakota, Washington, and Wyoming — the monopolistic states where the state fund leaves employers liability out. Restoration carries real occupational exposure — mold, sewage, silica, and heavy equipment — so the WC and stop-gap requirements close gaps a field crew cannot afford to leave open.