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Restoration Contractors Insurance Program Product Description

American Risk Management Resources Network, LLC is the leading wholesale insurance broker specializing in liability insurance for restoration contractors. With the introduction of the universal mold exclusion, insurance and risk management for the restoration contractor became very complex. We have exceptionally qualified brokers working in offices coast to coast to assist you. Please contact us directly or through you insurance agent. Call Today to talk to one of our exceptionally qualified brokers.


Commercial Liability Insurance Including Environmental Liability & Contractors Pollution Insurance Covering Mold

  • We offer our customized insurance packages through local insurance agents in all fifty states.
  • We know your business and your insurance needs.
  • We offer coverage from all the leading insurance companies.
The liability insurance packages we offer combines Commercial General Liability insurance with Contractors Pollution Liability and Professional Liability insurance including coverage for fungus/mold related claims into a single policy. Combining the coverage parts into a single policy and sharing the same limits of liability saves premium dollars. The package policy also facilitates settling claims in the event of a loss pertaining to more than one line of coverage.

The professional liability coverage part in our package policy is generally not available in the insurance market place to restoration contractors; for firms with degreed professionals on staff this coverage part is an important part of the insurance package.

The insurance program is being provided by A M Bests “A”, insurance companies.

Although, most restoration contractors have not envisioned themselves in the past as providers of “Environmental Services”, the advent of universal mold exclusions and their work with water and drying in the indoor environment have moved Restoration Contractors into the realm of Environmental Contractors for insurance purposes. A white paper on The New Insurance Reality od Restoration Contractors is available that explains these changes.

Restoration Contractors Insurance Program Specifications

Coverage’s Available
General Liability, Contractors Pollution Liability, Packages GL/CPL/Professional The Environmental Services Package Policy combines occurrence based Commercial General Liability and Contractors Pollution Liability with claims made Professional Liability into one insurance policy sharing common policy limits of liability. The ESP policy is usually less expensive than purchasing separate policies to insure these same loss exposures. Package policies have superior claims handling attributes than purchasing separate policies.

The CPL coverage in this package policy is expanded to cover fungus and mold related losses on a claims made basis.

Minimum Premium $3,500 for a GL/CPL/Professional Liability Package Minimum Deductible $5,000

Maximum Policy Limits Up to $25,000,000 Policies are available in every state.


Zurich North America, Liberty, AIG, Everest, Evanston, Gemini, James River, American Safety, Berkley
(Coverage is written on a surplus lines basis with premium taxes payable by the Insured)


Our goal is to provide you with the best insurance value in the business for like coverage’s from like insurance companies. There are material differences in the coverages provided. We are aware of these differences and can help our clients make informed insurance buying decisions. The rates for commercial insurance vary a great deal depending on the amount of insurance purchased, the revenue of the insured, the mix of business, deductibles, the state the insured is located in, and past losses. We are constantly monitoring the insurance market place for insurance pricing and quality. We are confident that our insurance program offers an outstanding value, especially if the environmental insurance coverage and professional liability are taken into account.

AM Bests Rating

A, Excellent or better

Contractors Pollution Liability

Available as a single product. Minimum premium $2,500

Additional Insureds

The contractor’s customers can automatically be named as additional insureds on the General liability and Contractors Pollution Liability policies.
A special endorsement has been crafted to add third party claims administrators and property insurance companies as additional insureds on the policy. Our insurance packages are acceptable to all the major franchises and networks.

Resources For Restoration Contractors

Insurance Specifications for Water Restoration and Mold Contractors

Access Custom Restoration Contractor Applications Here

For More Information on Your Insurance Needs For Your Business Click Here

Useful Articles for Cleaning and Restoration Contractors!


Attorney For Restoration Contractors

Cohen Battisti- Attorneys at Law Contact :  407-478-4878 -