Coverage for the property in your hands.

The exclusion behind the certificate

General liability generally covers damage to property you do not control, a neighbor's fence, a bystander's car. It commonly excludes damage to property in your care, custody, or control, which is the property you are actually working on or storing. In restoration, that is the customer's building and contents, so the exclusion sits directly over your core exposure.

Where it applies in restoration

It applies to the structure you are drying or cleaning, the contents you pack out and store, and the property you secure during mitigation. A dropped item, a drying error that damages finishes, a loss at your storage facility, all involve property in your care. Care, custody, and control coverage is what responds to that damage.

Sizing the limit

The right limit reflects the value of property you hold at once, especially at peak storage. A default limit may be far below the value of a full pack-out sitting in your warehouse. We size the coverage to your actual exposure so a single large loss does not exceed what the policy will pay.

How we handle it

We confirm whether your program covers property in your care, place or endorse care, custody, and control coverage where it does not, and size the limit to the value you actually hold. We coordinate it with your general liability and property coverage and pair it with the documentation practices that keep disputes from becoming uncovered losses.