Environmental Exposures Hiding in Plain Sight

Most restoration firms know they need general liability insurance. But what about the environmental exposures that lurk in nearly every project?

The truth is, many policies don’t cover:

• Mold remediation — often excluded under standard liability.

• Asbestos removal — a high-risk activity that requires specific endorsements.

• Lead paint disturbance — common in older properties, but rarely addressed in generic policies.

• Hazardous material disposal — a critical step that opens liability if mishandled.

Even firms that don’t specialize in environmental services can be exposed. For example, a water damage job that results in mold growth could trigger environmental claims you thought were covered — but aren’t.

That’s where ARI Brokers steps in. We know the environmental risks restoration firms face every day, and we work with carriers who cover those exposures directly. With the right policies in place, you can handle mold, asbestos, and other hazards without wondering if your insurance will back you up.

The takeaway? If you’re relying on a general liability policy alone, you may be one claim away from a costly surprise.

Contact ARI Brokers to review your coverage for hidden environmental exposures.