Not all claims come from your client. Third-party claims can arise from: Neighbors affected by contamination Tenants in multi-unit properties Employees or subcontractors Adjacent property damage These claims can be complex — and costly. Standard policies may not fully respond. ARI Brokers helps restoration firms prepare for exposures beyond the immediate job site. Because liability isn’t always limited to who hired you.

Many restoration firms assume they’re fully covered — until a claim proves otherwise. General liability policies often exclude: Pollution events Mold-related claims Contaminant spread Air and water quality issues This creates a critical gap in coverage. ARI Brokers specializes in closing that gap for restoration contractors. If your work involves environmental exposure, you need more than general liability. You need the right protection.

Fast response is critical — but it also increases exposure. Emergency restoration jobs often involve: Limited initial assessment Unknown contaminants Rapid demolition decisions Time-sensitive mitigation Speed can create gaps in documentation and containment. And when issues arise, liability follows the contractor. ARI Brokers understands the realities of emergency work and places policies that respond accordingly. Because urgency shouldn’t mean vulnerability.

Warmer months bring more than just heat — they increase environmental exposure. High humidity can accelerate: Mold growth after water losses Moisture retention in materials Hidden microbial development Odor and air quality issues Even small delays in drying can lead to bigger problems. Restoration companies face increased claim risk during peak summer conditions. ARI Brokers ensures your coverage accounts for seasonal exposure — not just standard operations. Because mold does

One of the biggest risks on a restoration job is what spreads — not what’s removed. Cross-contamination can occur through: Improper containment Shared airflow systems Foot traffic between zones Equipment transfer This can turn a small job into a much larger claim. And most standard policies won’t respond to pollution-related spread. ARI Brokers helps restoration firms secure protection against the unintended consequences of their work. Containment matters — and so does covera