Many restoration firms assume environmental insurance only applies to companies that specialize in hazardous materials. In reality, everyday restoration work often triggers environmental exposure. Even routine services can involve: Mold disturbance Lead or asbestos exposure Contaminated building materials Improper waste handling Standard liability policies frequently exclude these risks. ARI Brokers understands that restoration firms operate in environmental conditions — whet

Restoration projects are getting larger, faster, and more complex. As claim severity increases, standard policy limits may no longer be enough. Umbrella and excess liability coverage provides an added layer of protection when primary limits are exhausted. This is especially important for: Commercial and municipal contracts Multi-location projects Environmental or pollution claims Auto and fleet-related losses Without an umbrella policy, one large claim could threaten the fina