Insurance for water, fire, and mold restoration contractors.
General liability with mold and pollution coverage, workers’ comp, auto, and equipment coverage for restoration contractors who dry out, clean up, and rebuild after water, fire, and mold losses.
What restoration contractors usually carry
- General liability, $1M / $2M
- Contractors pollution liability, with mold
- Professional liability
- Workers’ comp
- Commercial auto
- Drying and remediation equipment
- Umbrella
Watch for these in a restoration policy
- Mold exclusionMost general liability policies exclude mold outright, which leaves a remediation company uninsured for its main job. You need pollution coverage that names mold.
- Drying that falls shortIf materials you signed off as dry later grow mold, the claim comes back to you. Whether it is covered depends on your pollution and professional wording.
- Pack-outsContents you pack out and store are in your care, and general liability excludes them. Bailee coverage is what pays for damage in your truck or your warehouse.
- Asbestos and leadTearing out old drywall, plaster, and flooring can disturb asbestos and lead. Nearly every policy excludes asbestos, and many exclude lead. Test before you demo.
What property managers and insurer programs ask restoration contractors for
- Pollution liability with moldProperty managers and insurer programs often require a mold limit.
- Additional insuredThe property owner and manager, on general liability and pollution.
- Waiver of subrogationOn general liability and workers’ comp.
- UmbrellaLarge commercial losses often require one.
Questions restoration contractors ask
Straight answers.
The questions we hear most, answered plainly.
Does general liability cover mold remediation?
Usually not. Most policies exclude mold. Restoration contractors need contractors pollution liability that covers mold, bought with the general liability or on its own.
Are customer contents covered while in my storage?
Not by general liability. Bailee coverage pays for damage to or theft of contents you pack out, in your truck or your warehouse.
Do I need professional liability as a restoration contractor?
If you write moisture maps, scopes, or mold protocols, often yes. A claim that your plan was wrong falls outside general liability.
How is restoration insurance priced?
On revenue or payroll, your mix of water, fire, and mold work, and the pollution limit you carry.
Can I pay monthly?
Yes. Most policies can be paid in full or monthly.
Contractors and trades
Related industries.
Don’t see yours? See every industry, or tell us what you do and we’ll quote it.
General liability, $1M / $2M, Commercial auto for crane and bucket trucks, Workers’ comp
Fire sprinkler contractorsGeneral liability, $1M / $2M, Errors and omissions, Workers’ comp
Construction cleanupGeneral liability, $1M / $2M, Workers’ comp, Commercial auto
Equipment rental with operatorsGeneral liability, $1M / $2M, Contractors equipment, Riggers liability
Construction managersProfessional liability, General liability, $1M / $2M, Workers’ comp
RoofingGeneral liability, $1M / $2M, Workers’ comp, Commercial auto