Guides
Coverage Explained
The line-drawing problems these two trades actually run into: which policy answers, what the standard form carves out, and where the seams between them fall.
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Why GL Won’t Cover the Mold You Remove: the Pollution Exclusion
You hand out general liability certificates all week. On a mold job, the pollution exclusion means the policy everyone asks you to prove does not answer.
July 17, 2026 -
Completed Operations: The Claim That Arrives After You Leave
Restoration is a trade built around endings. Your finished rebuild keeps standing — and a late claim asks when your policy answers, not whether it does.
July 17, 2026 -
Their Goods, Your Building: Bailees and the Pack-Out
A pack-out puts somebody’s whole household in a building you own. Nothing in that bay is yours, and the form on your policy decides who answers.
July 17, 2026 -
The Tower Gap: Does Your Excess Reach the Pollution Line?
You bought height above your program to satisfy a contract. Whether that height stands over your pollution coverage is a different question entirely.
July 17, 2026 -
You Say Umbrella. Your Declarations Page Says Excess.
Everyone in the trade says “I have an umbrella.” The word on your policy is not a reliable guide to what that policy actually promises you.
July 17, 2026 -
Drying Equipment Floater: The Fleet at Someone Else’s Loss
Your drying fleet earns by leaving. It spends its working life on properties you cannot lock — and coverage tied to an address is watching an empty yard.
July 17, 2026 -
Professional Liability for Radon: The Number Someone Acts On
A radon measurement breaks nothing and leaves no debris. The exposure is not what your crew touched — it is that somebody acted on your reading.
July 17, 2026 -
Respirators, Crawlspaces, and the Line That Answers Your Crew
Your hardest injury exposure is a person in a respirator in a tight, contaminated space. The line that answers for that person is not always insurance.
July 17, 2026 -
Two Programs, One Roof: Where Restoration and Radon Split
You run both trades out of one building with one crew list. Your insurance still comes back as two programs — and the reason is not paperwork.
July 17, 2026 -
The Truck Is the Business: Restoration and Commercial Auto
An emergency trade sells response time — so the vehicle that earns the work is also the one most likely to hurt somebody. What that costs a fleet policy.
July 17, 2026
Would you rather just ask a person?
Tell us whether you respond to losses or mitigate radon, and a broker reads it — not a rating engine.