Beyond Property: The Environmental Liabilities Restoration Firms Often Overlook

Restoration work doesn’t stop at repairing damage—it often opens the door to environmental exposure. From chemical runoff and mold remediation to asbestos removal and soil contamination, restoration firms face unique liabilities that go far beyond basic property coverage.

Yet many contractors assume their general liability policy has them covered. In reality? Most standard policies contain pollution exclusions that leave restoration firms exposed to enormous legal and financial risk.

Hidden Risks That Can Shut You Down

Environmental exposures can arise in situations like:

• Remediating mold in a commercial property

• Improperly disposing of hazardous material

• Causing secondary damage during a cleanup (e.g. cross-contamination)

  
  

Even when you follow protocol, third-party claims and government compliance issues can still come knocking. And if you're not properly insured, you could face out-of-pocket legal fees, regulatory fines, or worse.

Specialized Coverage Is No Longer Optional

Environmental liability insurance, pollution liability, and professional errors & omissions coverage should be standard for restoration contractors—not a luxury. At ARI Brokers, we specialize in helping firms navigate this complex insurance landscape with confidence.

We understand:

• How underwriters evaluate environmental risk

• Where to look for hidden exclusions

• How to structure your policy to match your real-world exposure

  
  

Safeguard Your Business from the Ground Up

You work hard to restore what’s broken. Don’t let overlooked liabilities break your business. Let ARI Brokers assess your environmental risk and build a policy that protects you—top to bottom.