Why the Cheapest Premium is Rarely the Best Deal

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

But in restoration and environmental contracting, the cheapest policy is often the most expensive mistake you can make.

Here’s why:

• Hidden exclusions. Mold, asbestos, or pollution may not be covered — even if you think they are.

• High deductibles. Lower premiums often mean higher out-of-pocket costs when claims hit.

• Slow claims response. Discount carriers often lack the infrastructure to handle urgent restoration claims.

• Coverage caps. Policies may look fine on paper but max out quickly when large claims arise.

A denied claim or uncovered exposure can cost far more than the premium you “saved.”

At ARI Brokers, we help contractors balance cost with protection. We know where policies cut corners and ensure your coverage delivers real value — not just a low sticker price.

The truth? Cheap insurance isn’t a bargain if it leaves you exposed.

Let ARI find you the right coverage at the right price — not just the lowest premium.