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

Water losses are a daily reality for restoration contractors. But what many firms don’t realize is how quickly a standard water damage claim can turn into an environmental liability issue. Contaminated water, sewage backups, and microbial growth can trigger exclusions in general liability policies. Once pollutants or biological hazards are involved, coverage may no longer apply. Common risk areas include: Category 2 and 3 water losses Improper containment of contaminated mate

It’s tempting to choose the policy with the lowest premium. After all, why pay more for the same “coverage”? But in restoration and...

Restoration work isn’t confined to the jobsite. Your vehicles, equipment, and employees are just as critical — and just as vulnerable....

Subcontractors are part of almost every restoration project. But relying on them without understanding their insurance can create big...