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- Frozen Pipes: Most commercial property insurance policies, in general, will cover damage from a frozen pipe that bursts. Coverage usually exists if the policy contains the following or similar language: Coverage is provided when it is determined damage resulted from a “sudden and accidental” discharge from a plumbing source or system (please check your policy for the exact language). There is, however, one caveat—your insurance policy may not respond if it appears you neglected to take the proper steps to safeguard your property. Your policy usually requires that heat be maintained within the property, and some policies require that you maintain a certain temperature, even if the property is vacant, occupied, or unoccupied. You may not be eligible for insurance coverage for plumbing, heating, air conditioning, automatic fire protection or household appliances if it can be determined that the insured did not take precautions to maintain the property to prevent freezing.