Straight answers on restoration insurance.
The exclusions that quietly gut a restoration program, pollution, mold, care-custody-control, and professional, explained in plain language, and written and reviewed by a real advisor.
Problems and gaps
Where a standard policy quietly fails, and how to stay out of those traps.
Biohazard Cleanup Insurance Requirements, Explained
Biohazard and trauma cleanup sits in what standard general liability excludes: pathogens, pollution, and regulated waste. Here is the coverage this specialized work actually requires and why placement is different.
Read →Does General Liability Cover Restoration Work?
A standard general liability policy leaves big gaps for restoration contractors. Pollution, mold, and care-custody-control are exactly the exposures GL commonly excludes. Here is what GL does and does not cover, and what closes the gaps.
Read →Coverage explained
Plain-language breakdowns of the coverages that matter here.
Care, Custody, and Control in Restoration, Explained
Restoration means working on and storing the customer's property, and standard general liability commonly excludes damage to property in your care. Here is what care, custody, and control coverage does and how to size it.
Read →Professional Liability for Restoration Contractors, Explained
Many restoration claims allege faulty work, a failed clearance or incomplete remediation, not an accident. General liability does not cover that. Here is what professional liability, or E&O, does for restorers.
Read →What Is Contractors Pollution Liability (and Why Restoration Needs It)?
Contractors pollution liability covers the contamination and cleanup exposure general liability excludes. For restoration, contaminated water, soot, sewage, and mold, it is not optional. Here is how it works.
Read →Common questions
Straight answers to what we get asked most.
Does General Liability Cover Mold Remediation?
For most policies, no. General liability commonly excludes or sharply limits mold, which is the core exposure of mold remediation. Here is why, and what coverage actually responds to mold work.
Read →Certificates of Insurance for Restoration Contractors, Explained
TPAs, insurers, and property managers require certificates before they send restoration work. Here is what a COI proves, the endorsements behind it that actually matter, and how to stay eligible for referral work.
Read →Guides
Start-to-finish walkthroughs for the big moves.
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