Restoration work means entering already-damaged properties, often under time pressure from an insurance claim, and sometimes handling hazardous conditions. Here's what to think about, and how to get matched with coverage built for restoration contractors.
Get Started →Every industry carries its own risk profile. For restoration contractors, a few exposures come up consistently:
Fire, water, and storm-damaged properties carry additional liability and injury risk beyond a typical job site due to compromised structural conditions.
Water damage restoration in particular can involve mold remediation, which carries its own distinct liability considerations.
Drying equipment and air scrubbers represent real value and are often left running unattended on client property for days at a time.
Jobs are often driven by insurance-claim deadlines, which is worth factoring into how you manage risk and documentation.
Coverage needs vary by business size, licensing, and the type of work performed. These are commonly relevant — not a guarantee of availability, eligibility, or pricing for your specific business.
Arizona's contractor licensing is handled through the Arizona Registrar of Contractors (ROC), and bonding requirements can intersect with your insurance program depending on your license classification. Documentation matters more in restoration than most trades, since your work is frequently reviewed as part of someone else's insurance claim.
Two minutes to get started — we'll take it from there.
Get Started →