Coverage Gaps That Could Sink Your Next Job: What Most Restoration Companies Miss

When you’re in the thick of emergency cleanup, mold remediation, or structural repair, insurance may not be top of mind. But restoration and environmental contractors often operate under assumptions that their current policies have them fully protected—until a claim proves otherwise.

The truth? Many restoration companies are exposed to significant risk due to overlooked or misunderstood coverage gaps. These gaps can delay payments, increase out-of-pocket expenses, and even derail entire projects.

One common issue is pollution exclusions within general liability policies. Restoration work—especially involving water, fire, or mold—frequently triggers situations that some policies define as environmental exposures. If your policy excludes these, you could be left footing the bill.

Subcontractor-related claims are another pitfall. If your subcontractor lacks adequate coverage—or if your policy doesn’t address their role—you may be liable for damages beyond your control. And with evolving jobsite requirements, some policies simply haven’t kept up.

At ARI Brokers, we specialize in identifying and addressing these kinds of risks before they lead to major losses. Our team works exclusively with restoration and environmental contractors, so we understand the unique exposures of your industry.

CONSUMER EXPERIENCE:

Take the case of a regional water mitigation company: They thought they had solid coverage until an HVAC-related mold claim exposed a key policy exclusion. After a full review, they received secure new coverage tailored to their real-world operations. The result? Future claims were processed faster—and covered fully.

The bottom line: One missed detail can have a six-figure impact. Don’t wait until the next storm, leak, or disaster to find out where your insurance falls short.

Let’s close the gaps before they cost you.