Why this brand exists
Most commercial insurance treats a restoration contractor like a general contractor with a shop vac, and a radon
business like an installer with a vent fan. Both descriptions are wrong, and the wrongness is expensive.
A restoration contractor is not really in the construction business — it is in the after-the-loss
business. The very substances you are hired to remove — mold, the sewage in a Category 3 water loss, smoke and
soot after a fire — are carved out of the standard general-liability policy by the pollution exclusion. You hold
other people’s contents in a pack-out. Your drying equipment lives on a customer’s site for days. And most of the
work arrives insurer-funded, on a scope somebody else’s carrier sets. A radon mitigation business is not really in
the HVAC business — it is in the before-the-hazard business. You produce a number a real-estate
closing turns on, and the exposure that keeps you up is the measurement opinion behind it, not the pipe in the
wall.
Those are two different companies with two different failure modes, and they get sold the same policy. Restoration
Guard exists because we got tired of watching that happen. Everything on this site is organized around one line:
after the loss, or before the hazard? Answer that and the whole program follows.
Who we insure
Two operating models — and plenty of businesses do both at once, which is fine:
- Restoration Contractor Insurance — water, fire, smoke, mold, and storm-damage
mitigation, cleanup, contents pack-out, and the rebuild that follows. Your hardest exposure is the one the
pollution exclusion takes out.
- Radon Mitigation Business Insurance — radon measurement and testing, mitigation
system design and installation, sub-slab depressurization, and air-quality work. You are paid to produce a
number someone relies on, and the real exposure is the judgment behind it.
We do not insure the property owners who file the claims — we insure the contractor. Being clear about that is
part of being useful: restoration lives inside somebody else’s insurance claim, and we build the contractor’s
program around that reality without ever advising a homeowner on their own loss.
How we place it
We are an independent brokerage, not a captive agency, which means we are not trying to fit your operation into
one company’s appetite. We place restoration and radon risks through a specialty panel of
22 markets, across 48 states — every state
except Hawaii and Alaska.
What we actually do before a policy binds is read things: where the general-liability pollution exclusion takes
your signature exposure out, whether the contents in your care are answered by a bailee form or left in the gap,
what your program and TPA relationships require, and — on the radon side — whether the professional-liability
wording actually reaches a clearance decision. That is where the gaps live. A quote is easy; knowing what the
quote is missing is the job.
The people
Nate Jones, CPCU
Founder
Nate Jones is a Chartered Property Casualty Underwriter (CPCU) and the founder of
Wexford Insurance, LLC,
the parent of this brand. He studied Insurance & Risk Management at Indiana State University, and he
places restoration and radon risks nationally — the contractors pollution liability that answers for the
mold a general-liability policy will not, the bailee exposure of a pack-out, and the measurement E&O a
radon test result creates. He writes the coverage explainers on this site himself.
Get a quote · 317-942-0549 ·
LinkedIn
Kami Jones
Co-founder
Kami Jones co-founded
Wexford Insurance, LLC
and runs the side of the business clients feel but rarely see: getting submissions in front of the right
market the first time, keeping certificates and additional-insured endorsements moving so a job does not
stall, and making sure a renewal is worked well before anyone is up against a deadline.
The parent company
Restoration Guard Insurance is a specialty brand of
Wexford Insurance, LLC
(National Producer Number 19887690), an independent brokerage based in Greenwood,
IN. Wexford runs a family of specialty brands, each built for one trade rather than
one product — its sibling
Warehouse Guard Insurance
does the same for warehouse operators and distributors. The difference between a good program and a bad one is
almost never the policy form; it is whether the person placing it understands what you actually do all day.
Want to talk to a person? Contact us, or
start a quote and tell us which world you operate in.
