AP Blog

By Jason Wissmiller, 08/11/2020
We often receive phone calls from clients and prospects asking for a general liability policy to satisfy an insurance requirement in a contract, such as an airport lease. Like most insurance products, clients buy an aviation general liability policy with little knowledge of what the policy actually covers. In...
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By Mark Holt, 08/03/2020
N-95 masks have been the subject of increased focus by OSHA. These masks were originally designed for industrial use in sectors such as mining, construction, painting and manufacturing. Designed to filter out airborne particulates, they have a logical place in the healthcare setting to control airborne diseases...
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By Trevor Gilstrap, 07/29/2020
Fracking is a method that has been in use for decades but has become the hot buzz word in recent years, and is the alleged cause of everything from tainted water to silicosis. Regardless of your opinion on these growing allegations, these types of lawsuits from upset citizens are increasing throughout the...
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By Chris Pavone, 07/28/2020
Trucking’s role in keeping goods, materials and the economy rolling during the global pandemic has been nothing short of phenomenal and will certainly play a role in re-establishing “normal” supply lines depleted by hoarding households and profiteering resellers. Hopefully, everyone in the...
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Growing rates of healthcare workers are experiencing physical and psychological injury as a result of workplace violence related to resident care. A staggering 95% of healthcare workers have reported exposure to aggression. However, research has found that workplace violence is underreported, signifying that...
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07/15/2020
When setting up a flying club, or managing an existing flying club, there are several things you can do to make yourself more attractive to an underwriter. By making yourself more desirable to an underwriter, you can maximize your coverage and minimize the premiums you pay. Here are our Top 10 Flying Club...
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By Nathanael Alexander, Esq., 07/14/2020
On July 8, 2020, by a vote of 7-2, the Supreme Court of the United States (SCOTUS) in their Little Sisters of the Poor decision upheld Trump administration rules permitting employers to decline contraceptive coverage (including preventative health services, birth control pills, IUDs, etc.) on the basis of...
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By Nathanael Alexander, Esq., 07/08/2020
On June 15, 2020, the Supreme Court of the United States (SCOTUS) held in Bostock v. Clayton County, Georgia that Title VII of the Civil Rights Act of 1964 bars an employer from firing an individual merely for being gay or transgender. In its ruling, the Court noted that it is “impossible to discriminate...
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By Gina Ekstam, 07/08/2020
Agribusiness worksites, shared worker housing, and shared worker vehicles present unique challenges for preventing and controlling the spread of COVID-19. Joint guidance by the CDC and DOL provides a template that employers can adapt to protect their workers. Through thoughtful planning, it is possible to...
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By Nathanael Alexander, Esq., 07/02/2020
Due to the COVID-19 pandemic, countless employees with young children have opted to utilize the time off provisions of the Families First Coronavirus Response Act (FFCRA) in order to provide care to their children in lieu of school and day care center closures nationwide. Now that schools are closed and a vast...
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Service Line Coverage – What Is It and Why Do You Need It?
06/24/2020

Did you know that you are responsible for the maintenance of utility or service lines that extend from your home to your property line?  You may suddenly experience a drop in water pressure, or an unusually high water bill, and then discover that the water pipe under your front lawn has cracked. Your lawn must be excavated, and you may need to live elsewhere while the pipe is replaced. Your lawn, walkway and/or landscaping will need to be restored. Unfortunately, the typical homeowners policy does NOT cover damage to service lines.

Older homes were often built with service pipes made of clay or cast iron that can deteriorate over time. Recently, some insurance carriers have begun to offer Service Line Coverage Endorsements to their Homeowners policies to address this potential gap in protection. These endorsements offer a small amount of coverage (often $10,000-$25,000) for a very reasonable annual premium (usually under $50).

Types of service lines typically covered may include:

  • Water, sewer and/or gas lines
  • Power or electrical lines
  • Telephone, fiber optics and/or cable lines

Causes of loss may include:

  • Wear and tear, rust or corrosion
  • Tree roots, fallen trees or weight of heavy equipment
  • Rodent or insect damage

However, these endorsements typically exclude coverage for certain lines associated with septic systems, sump pumps, fuel tanks, water wells and heating/cooling systems. In addition, Service Line Coverage may not be currently available from all carriers in all states at this time. As an alternative, you may be able to purchase a stand-alone utility line protection policy from a specialty insurance company, or individual line coverage from the utility provider. There are also home warranty policies that may include service line coverage, but these tend to be expensive. Whichever you choose, be aware that each contract may differ in per occurrence coverage limits, deductibles, service fees, waiting periods and pre-existing condition exclusions, not to mention causes of loss and types of repairs that are covered.

Expanding your homeowners coverage to include Service Line Coverage may help to pay for costs such as excavation, piping or wiring repairs or replacement, landscaping repairs and possibly additional living expenses. Some contracts may also provide for eco-friendly or energy-efficient upgrades, or liability coverage.  It is important to note that Service Line Coverage is not the same as water back-up of sewers or drains endorsements—the latter endorsements deal with damage inside the home, not outside.

Since service line repairs can cost up to $10,000 or more, purchasing Service Line Coverage at a reasonable cost, especially for older homes with outdated utility lines, is something to strongly consider. Service line coverage may help to pay for costs and living expenses due to the maintenance or damage of service lines.  To learn more about Service Line Coverage and ensure you are properly covered, visit AssuredPartners Personal Insurance.