Restoration is different from general contracting. You handle contaminated water, soot, and mold, you store the customer's belongings, and you work on already-damaged buildings. Those are exactly the pollution, care-custody-control, and professional exposures a generic contractor policy is written to exclude. We are independent, so we build the program around the restoration work you actually do.
Already know what you need? Get a quote. Want guidance first? Compare your coverage.
A mold claim on a policy that excludes mold. A contents loss the care-custody-control exclusion denies. A failed clearance that general liability was never meant to cover. In restoration, the damage usually comes from a gap between what the work involves and what a generic contractor policy actually covers. We build the program so that gap is not there.
Water, fire, mold, biohazard, storm, and reconstruction each carry different exposure. Start with yours.
Contaminated water, mold, and care-custody-control exposure GL misses.
See the coverage →Soot as a pollutant, contents handling, and storage.
See the coverage →The exposure most policies are written to exclude.
See the coverage →Multi-state deployment, surge crews, mobile equipment.
See the coverage →Construction risk layered on the restoration side.
See the coverage →Pack-out, cleaning, and storage of customer property.
See the coverage →Pathogens and pollution standard GL excludes.
See the coverage →First response on damaged, unstable structures.
See the coverage →The restoration-specific coverages, plus the base a contractor program is built on.
Contaminated water, soot, sewage, and mold GL excludes.
Learn more →Coverage for the peril standard forms exclude.
Learn more →Failed clearances, incomplete work, scope disputes.
Learn more →Damage to the property you work on and store.
Learn more →Air movers, dehumidifiers, and gear in transit and at the loss.
Learn more →The base, with pollution and care exclusions read carefully.
Learn more →Class codes, audits, and surge-labor exposure.
Learn more →Trucks, trailers, and hired and non-owned exposure.
Learn more →Most of what a restorer needs is a clear answer at a moment that matters, not just a quote.
A second opinion on whether pollution, mold, and care-custody-control are actually covered.
How it works →A TPA, insurer, or property manager asked for a COI. Start here.
How it works →Send us the insurance exhibit and we will check it before you sign.
How it works →Certifications, mold licensing, EPA rules, and waste handling.
How it works →The restoration Learning Center covers pollution, mold, care-custody-control, professional liability, and certificates, written and reviewed by a real advisor.
Mold licensing, the EPA lead rule, and construction licensing vary by state. Texas licenses mold work; Oregon, Utah, and Washington run their own lead programs. Pick yours.
Tell us about the work, the water categories, the mold, the storage, and the contracts, and we will check whether pollution, mold, care-custody-control, and professional exposure are actually covered. No pressure, no obligation.
Independent means your interests come first. We know the exclusions that quietly gut a restoration program, pollution, mold, care-custody-control, and professional, and we build coverage that closes them before a claim finds them.
Tell us about the restoration you do and the contracts you sign, and we will give you a straight read on the exclusions, the endorsements, and the limits. No pressure, no obligation.
General education, not a coverage determination. A licensed advisor confirms your policy.