Insurance for Restoration and Remediation Contractors

Restoration and Remediation Contractors face a unique set of risks that could be potentially damaging to their business.  Protect yourself today with insurance tailored for your business.

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Zen Man - Restoration Contractor

What is Restoration and Remediation Contractor Insurance?

It is an insurance policy specially designed for restoration and remediation contractors to protect them against specific risks they may encounter, such as third-party injuries, pollution liabilities, and property damage.

Mistakes can happen and potential lawsuits against your business can leave your operations damaged beyond restoring. We know what makes your business unique, leave it to us to find the best coverage for you.


What does Restoration and Remediation Insurance cover?

As a restoration/remediation contractor, you’re responsible for environmental operations that deal with pollution elements such as mold and asbestos which requires specific insurance coverage.

A comprehensive Restoration and Remediation Contractor Insurance program will typically include the following:

  • Commercial General Liability Insurance:  covers for costs associated with common liability risks, such as third-party injuries or property damage.
    • Business property valued under $1,500 is classified as tools, and anything over is considered equipment.
  • Pollution Liability Insurancecovers third-party bodily injury, property damage and environmental damage due to both gradual and sudden pollution events that occur on a renovation job site.
  • Tools and Equipment Insurance: covers the cost to repair or replace your tools and equipment due to damage from work accidents (includes vandalism) or loss (includes theft).
  • Commercial Auto Insurance: provides financial coverage for any business-owned vehicles along with employees who drive it from accidents, damages, and theft.

Who needs Restoration/Remediation Insurance?

Whether you offer commercial or residential restoration services, there may be risks of environmental liabilities and property damage resulting from work-related accidents.

Having the right insurance coverage will provide financial protection should you or your employees be named in a lawsuit.

We’ve insured more than 1,000 environmental contractors. Some of our clients include:


How much does Restoration/Remediaton Contractor Insurance cost?

The cost of insurance for restoration and remediation contractors typically starts at around $3,500 for coverages up to $1M General Liability and $1M Pollution Liability.

There are several factors considered when determining a price for your insurance policy package, including:

  • Number of Employees
  • Project type (Commercial/Residential)
  • Years of Experience
  • Location
  • Tools & Equipment Owned
  • Annual and Projected Revenue

Getting insured is quick and easy!

Complete our 5-minute online application form for a free Restoration and Remediation Insurance quote.

Common scenarios where Restoration / Remediation Insurance is useful

home hit by storm

Problem: During the restoration of a residential home that was hit by a heavy storm, one of your subcontractors accidentally damaged a section of the property that didn’t need repairing.

Outcome: Your Commercial Liability Insurance would cover the cost to repair the $75,000 worth of property damages.

Business Storage Fire

Problem: Your storage facility was set on fire, damaging most of your industrial restoration equipment.

Outcome: Your  Tools and Equipment Insurance covers the cost to replace the damaging equipment, totaling $63,000.

mold remediation contractor

Problem: After completing mold remediation in a client’s home, there were some areas that were missed.  Months later, mold continued to grow unbeknownst to the residents which caused illness.

Outcome: The client sues you $500,000 for bodily injury and property damage, which was covered by your Pollution Liability Insurance.

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