Restoration & Remediation Contractor Insurance Coverage Checklist
The coverages a restoration & remediation contractor business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for restoration and remediation contractors. Priorities reflect typical exposure; confirm against mold work and contents handling.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial General Liability (incl. Products-Completed Operations) | Covers injuries and damage during work and after it's finished. | Core | |
| Contractors Pollution Liability (incl. Mold) | Covers mold and hazardous-material claims — excluded from GL. | Core | |
| Professional / Errors & Omissions | Covers remediation-protocol and assessment errors. | Prevalent | |
| Bailee / Customer Contents | Covers customers' belongings packed out and stored. | Situational | |
| Workers' Compensation | Required in most states. | Core | |
| Commercial Auto | Covers trucks and service vehicles. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is mold coverage. General liability excludes mold and pollution, yet the defining restoration claim is moisture or mold left behind. Since Florida banned assignments of benefits on policies issued from 2023, billing disputes with owners are rising too. Contractors should carry pollution coverage that includes mold, document drying to IICRC standards, and put owner-balance terms in writing.
Send us the checklist and we'll review your restoration & remediation contractor coverage line by line, then market it across multiple carriers that compete for your account.
Related: Restoration & Remediation Contractor Insurance · Restoration & Remediation Contractor Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a restoration & remediation contractor business need?
The core coverages for a restoration & remediation contractor business are Commercial General Liability (incl. Products-Completed Operations), Contractors Pollution Liability (incl. Mold), Workers' Compensation, Commercial Auto. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my restoration & remediation contractor coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.