LIABILITY INSURANCE FOR RESTORATION & MOLD CONTRACTORS 

PROGRAM HIGHLIGHTS
Commercial General Liability (CGL) and/or Contractors Pollution Liability
(CPL) for risks primarily involved in water extraction, emergency response contracting, mold remediation and other similar categories. For contractors primarily involved in reconstruction/restoration work we can only consider Monoline Contractors Pollution Liability (no CGL) and will require proof of separate CGL with an A rated Carrier.

POLICY HIGHLIGHTS
CGL is usually Occurrence Form
CPL is usually Claims Made Form
Prior Acts Available
Annual & Per Project Policies
Defense is outside the limit for CGL
Defense Costs are included within the policy limits for CPL
Low Deductibles for most risks

STANDARD LIMITS:
Base limits are $1,000,000 per occurrence with a $1,000,000 policy aggregate (lower limits also available) Higher limits can be considered

MINIMUM DEDUCTIBLE: Deductibles start at $2,500 for CGL and $5,000 for CPL
MINIMUM PREMIUM: Starting at $4,000 for CPL and $6,000 for CGL/CPL
SECURITY: A- Excellent

APPLICATIONS REQUIREMENTS:
RESTORATION AND MOLD CONTRACTORS APPLICATION
(APPLICATION REQUIREMENTS - see application bellow)

Download/View Application: RMCAPPL
click here for more applications

This is a brief outline only. The minimum premium is the base for the smallest eligible risk. Taxes and fees are in addition to premium.
Security, minimum premiums and coverage features will vary depending on exposures and risk location. Prior Acts coverage requires proof of comparable continuous claims made coverage and is subject to underwriting approval. Some risks may be offered limited retroactive coverage or in some cases no retroactive coverage. CGL coverage is not available for risks with significant construction exposures. All quotes are subject to current underwriting guidelines which are subject to change.