As restoration companies grow, their risk profile changes. More crews, more vehicles, larger contracts — all increase exposure. Common growing pains include: Outdated policy limits Inadequate auto and fleet coverage Coverage that doesn’t match expanded services Carriers unable to support higher risk levels Insurance that worked last year may not protect you today. ARI Brokers partners with restoration firms through every stage of growth. We proactively adjust coverage, align

Certificates of insurance are often treated as a formality — but relying on them without deeper review can expose restoration firms to serious risk. A certificate does not guarantee coverage. It doesn’t confirm: Proper policy limits Active endorsements Additional insured status Coverage for specific restoration services Many contractors assume subcontractors are fully insured, only to discover exclusions after a loss occurs. ARI Brokers works with restoration companies to loo