Restoration contractors often need to obtain certificates of insurance that include another party listed as an additional insured. What is an additional insured anyway? And why do I need to have them listed on the certificate? Per IRMI (International Risk Management Institution): An additional insured is a person or organization not automatically included as an insured under an insurance policy included or added as an insured under the policy at the request of the named insu

Included on every general liability insurance policy for restoration contractors is a coverage entitled “Personal and Advertising Injury.” The problem is that very few people understand what this coverage is and how it can protect your company. Personal and Advertising Injury is Limited in Scope First, Personal and Advertising Injury (Coverage B) is much narrower in scope than your Bodily Injury and Property Damage (coverage A) portion of your general liability insurance. T

From time to time, we like to share claims that we encounter with our restoration insurance clients. We hope to help others avoid similar claims by sharing the information and details around the suit. Bodily Injury Scenario: A restoration contractor was hired to perform water and mold remediation at an apartment building. After completing the work, a tenant of the building sued the property management company and the contractor due to illness resulting from mold. This was af

The word “housekeeping” calls to mind cleaning floors and surfaces, removing dust, and organizing clutter for some people. But in a work setting, it means much more. Housekeeping is crucial to safe workplaces. It can help prevent injuries and improve productivity and morale and make a good first impression on visitors. It also can help an employer avoid potential fines for non-compliance. The practice extends from traditional offices to industrial workplaces, including facto