Coverage
Eight lines, led by the two a standard policy gets wrong
Restoration and radon don’t fit a generic contractor policy. The two signature lines below are the seams a standard form leaves open; the other six are the operations base every job needs. Each page cuts the seam honestly — what one line takes out, and where the next one picks it up.
Restoration signature
Contractors Pollution Liability Insurance
Mold, sewage, smoke, and soot are pollutants the standard general-liability exclusion carves out. This is the form that answers for the very substance you were hired to remove.
Read the line →Radon signature
Professional Liability Insurance
A radon test is a professional opinion with a number on it, relied on at a closing. This is the E&O behind the reading, the clearance decision, and the missed elevation — and the moisture-mapping judgment on the restoration side.
Read the line →General Liability Insurance
The operations base both trades share — third-party injury and property damage inside someone else’s occupied structure, and the completed-operations tail that follows a rebuild for years.
Read the line →Bailees Coverage
The contents line. When you pack out and hold a customer’s furniture, electronics, and documents, those goods are in your care — exactly what the GL policy carves out. Bailees answers for them.
Read the line →Contractors Equipment Insurance
Drying and mitigation fleets — dehumidifiers, air movers, air scrubbers, fans — live on customers’ sites for days: in transit, deployed at a loss you don’t control, and liable to walk. This covers the gear.
Read the line →Workers Compensation Insurance
Crews work in contaminated environments in respirators, in confined attics and crawlspaces, and on storm work at height. Includes honest handling of the four monopolistic state-fund states.
Read the line →Commercial Auto Insurance
The response fleet — the trucks that roll on an emergency call and the trailers that haul drying equipment. Your insurance carrier is a different thing from a motor carrier, and the page keeps them distinct.
Read the line →Excess Liability Insurance
Additional limits above the underlying lines. On this brand it is EXCESS, not umbrella — and follow-form is hedged: an excess policy may still not follow the pollution or professional wording beneath it.
Read the line →Not sure which lines you need?
Tell us whether you respond to losses or mitigate radon, and we will build the program around it.