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.
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 →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 →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 →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 →A water restoration business needs more than a generic contractor policy. Pollution, mold, care-custody-control, equipment, and professional coverage all matter. Here is the full stack, in plain language.
Read →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 →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 →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 →Answer eight quick questions and get an educational read on whether pollution, mold, care-custody-control, and professional exposure are actually covered. Not a quote.
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General education, not a coverage determination. A licensed advisor confirms your policy.