Insurance for restoration and radon mitigation contractors.

A commercial general-liability policy carries a pollution exclusion, and in restoration that exclusion reaches the substances the trade is hired to remove — mold, the sewage in a Category 3 water loss, and smoke and soot residues. So the base policy does not answer for the very thing you were called in to fix. Contractors pollution liability is the specialty line that fills that gap, covering the environmental remediation, the contaminated material you transport and dispose of, and the environmental exposure a loss can create beyond the property line. It is largely a manuscript market rather than a standardized form, which is exactly the part we walk owners through.

Because a radon business is paid to produce a number, and someone relies on it — often at a real-estate closing. Professional liability, or errors and omissions, is the line that responds when the exposure is the measurement itself: a protocol choice, a clearance decision made too early, or an elevation that was missed. It is a different risk from the physical install of a mitigation system, and a general-liability policy is not built to answer for a professional opinion. There is no ISO form written for this class, so how the coverage is arranged matters.

We insure the contractor — the restoration or radon mitigation business, never the property owner filing a loss. It is worth being precise about, because restoration lives inside somebody else’s insurance claim: most of the work arrives insurer-funded, and the property owner’s carrier sets the scope of repair you are paid on. We build the contractor’s program around that reality — the receivables it creates, the program and TPA relationships that drive the work, and the coverage the job actually demands. We do not advise property owners on their own claims, and this site does not either.

When you pack out a customer’s furniture, electronics, textiles, and documents and hold them at your contents storage facility — or move them in your truck — those goods are in your care, custody, and control, which is exactly what a general-liability policy carves out. Bailees coverage is the line that answers for them. The honest distinction between a legal-liability standard and a broader all-risk bailee form is one we draw for you, because the difference decides who pays when a customer’s belongings are damaged while they are in your hands.

Yes — commercial auto answers the trucks that roll on an emergency call, the trailers that haul drying equipment, and the box trucks that move a pack-out. One point of language worth being exact about: your insurance carrier is the company that writes your coverage, which is a different thing from a motor carrier that hauls freight for hire. We insure the fleet a restoration or radon business runs in service of its own work, not a for-hire trucking operation.

There is no single price, because premium is driven by your specific operation. For a restoration contractor, the biggest factors are your pollution limits and mold appetite, your payroll and workers-compensation class codes, the size of your drying-equipment fleet, your revenue mix between mitigation and reconstruction, and your loss history. For a radon business, it is your professional-liability limits, your split between testing and mitigation, your state’s certification posture, and your crew size. We price to the real operation rather than a generic guess.