Protection for the Toughest Jobs.
From water and fire damage to mold remediation, your restoration business faces high-stakes risks. We provide the specialized pollution, liability, and equipment coverage you need to work safely.
Essential Coverage for Restoration Contractors
A standard contractor's policy won't cover your most critical risks. We build a comprehensive program that includes:
Contractors Pollution Liability (CPL): Essential. Covers liability for mold, bacteria, lead, asbestos, and contaminated water released during your work.
Professional Liability (E&O): Critical. Protects you if your remediation work fails (e.g., mold returns) or is alleged to be negligent.
Bailee's Liability: Covers damage to a customer's property (e.g., furniture, electronics) that is in your "care, custody, or control" for cleaning.
Inland Marine (Equipment): Protects your high-value equipment (dehumidifiers, air movers, extractors) at the job site and in transit.
Workers' Compensation: Protects your crews from demo, water, and biohazard risks.
Commercial Auto: Covers your fleet of work vans and trucks.
“Around our company, ‘JoeRueter’ is one word... We work with large GCs that require strict contract wording, tight insurance requirements, and expect the processing of certificates of insurance to be quick and correct. Joe always delivers for us... he knows the construction business... We trust him and wouldn’t be without him.”
We Know the Construction & Restoration Business
A 'Hands-On' Approach to Your High-Risk Work
We are a boutique agency and designated Construction Risk & Insurance Specialists (CRIS). We understand the strict contract wording and high-liability nature of restoration.
1. Expert Risk Analysis: We'll review your contracts, your safety protocols, and your environmental handling procedures.
2. Tailored Program Design: We find carriers who understand and will cover mold and pollution liability, ensuring your policy doesn't have dangerous exclusions.
3. 'Perfect 10' Service: We deliver the 'fast, thorough... perfect' service you need, especially for the 'quick and correct' Certificates of Insurance that GCs and property managers demand.
Get the Expert Protection Your Restoration Business Demands
Schedule a confidential review of your current contractor's insurance.
Or Call Our Construction Team: 215-637-8223