SERVPRO

The 2025 SERVPRO FDD (Item 8) requires: Commercial General Liability at $3,000,000 per occurrence / $5,000,000 aggregate on an occurrence form with no professional liability exclusion; Pollution and Mold Liability (including incidental lead and asbestos) at $3,000,000 per claim / $5,000,000 aggregate; Limited Service and Repair at $500,000; Commercial Auto at $1,000,000 combined single limit; Workers' Compensation regardless of state law (classified as restoration/cleaning); Employers Liability and Employment Practices Liability; Bailee and Inland Marine at $250,000 minimum; property casualty; cyber; and tail coverage for up to 3 years. Servpro Franchisor, LLC and its manager Servpro Industries, LLC must be named additional insureds. Deductibles cannot exceed $10,000 per policy.

Servpro Franchisor, LLC, a Delaware limited liability company at 801 Industrial Boulevard, Gallatin, Tennessee 37066. The SERVPRO FDD also requires you to name the manager, Servpro Industries, LLC, and certain affiliates and their officers, directors, employees, and agents as additional insureds. Use the full construction on every certificate.

A bailee holds another person's property for a purpose. When your crew packs out a customer's furniture, electronics, and belongings during a restoration job and stores them, you are a bailee with a legal duty to return that property undamaged. Standard general liability and standard commercial property both exclude property of others in your care. Bailee coverage fills that gap. SERVPRO requires it — along with inland marine — at a $250,000 minimum, extended to customer property at the site, in transit, and in your warehouse.

Pollution liability — Contractors Pollution Liability — covers bodily injury, property damage, and cleanup costs from pollutants released by your work. For restoration, the "pollutants" are mold, sewage, antimicrobial chemicals, and disturbed lead and asbestos. A standard general liability policy excludes all of them. SERVPRO requires pollution and mold coverage at $3,000,000 and requires the certificate to confirm mold, lead, and asbestos by name, because the standard GL leaves the core service uninsured.

If your crew disturbs asbestos or lead paint during tear-out in an older structure and it spreads to clean areas, the cleanup is a pollution claim. Standard general liability excludes it. SERVPRO's required pollution policy includes incidental disturbance of lead and asbestos — but only if the form you buy actually carries that coverage. Some pollution forms exclude asbestos and lead entirely. Confirm the form, not just the certificate.

Large-loss commercial and catastrophe work comes through SERVPRO's National Account and Commercial Account programs. Those clients set their own certificate requirements — frequently the Limited Service and Repair policy, a $5,000,000 umbrella, and additional insured status for the property owner. A franchisee built to the residential floor can be compliant with the franchise agreement and still unable to accept the job. SERVPRO's FDD reserves the right to require higher limits for higher volume and larger jobs.

Workers' compensation premium is based on actual payroll, trued up at a year-end audit. If you bring on crews for a large loss and that payroll was not in your original estimate — or was coded under the wrong classification — the carrier corrects it at audit and bills the difference. That is a premium reconciliation, not a claim denial. Restoration payroll generally falls under NCCI code 5610. Disclose surge payroll up front and ask for a mid-term adjustment to avoid a lump-sum bill.

For a full SERVPRO program at the FDD's high limits — GL and pollution at $3M, LSR, auto, WC, bailee and inland marine, property, EPLI, and cyber — an established territory with crews commonly runs $18,000 to $35,000 or more per year. SERVPRO sits at the top of the restoration cost range because of its high required limits and the specialty environmental market that writes pollution at $3M. The Item 7 figure ($5,010 to $25,300) covers only the first three months of certain lines and excludes vehicles and workers' compensation.

The 2025 SERVPRO FDD Item 7 estimates $5,010 to $25,300 — but states that figure covers only the first three months of general liability, pollution, property casualty, bailee, cyber, and Limited Service and Repair coverage. It explicitly excludes vehicle insurance and workers' compensation. The annual cost is materially higher, and the FDD says so.

Yes. The SERVPRO FDD requires workers' compensation regardless of whether your state mandates it, classified as a restoration and cleaning service. If your state has no requirement, the FDD floor is $500,000 each accident, each employee, and policy limit. Restoration carries real occupational exposure — mold, sewage, chemicals, and heavy equipment — so the "regardless of state law" requirement closes the Texas opt-out gap that would otherwise leave a field crew uninsured.