The environmental gap at the center of restoration work.

Why restoration needs it specifically

General liability carries a broad pollution exclusion, and restoration work is full of pollution conditions: category 2 and 3 water, soot and combustion byproducts, sewage, mold, and biological materials. Without contractors pollution liability, a contamination or cleanup claim in your core operation may not be covered at all, which is why this coverage is central to a restoration program rather than an add-on.

What it covers

Contractors pollution liability responds to bodily injury, property damage, and cleanup costs from a pollution condition arising out of your work. Depending on the form, it can include mold and microbial matter, transported materials and waste, and both sudden and gradual conditions. The exact scope depends on the endorsements, which is where the coverage is won or lost.

Mold and the form details

For restoration, whether the form includes mold is often the decisive question, because mold is both a common exposure and a common exclusion. Some contractors environmental forms address mold directly, others exclude or sublimit it. We confirm how mold, and the transport and disposal chain, are handled so the coverage matches the work you actually do.

How we handle it

We assess where your restoration operations create pollution exposure, contaminated water, soot, sewage, mold, or biological materials, and place contractors pollution liability on a form and limit that matches. We confirm mold and transported-materials coverage where relevant, check it against any contract requirement, and coordinate it with general liability so the environmental gap is genuinely closed.