Fire and Water Restoration Contractors
Fire and Water Restoration Contractors Products of Interest
Our signature package product is designed for contractors with at least 50% of their revenue derived from environmental operations. The package provides General Liability, Contractors Pollution Liability, and Professional Liability.Learn More
Our Contractors Pollution Liability Coverage is designed to protect insureds from damages caused by Pollution Conditions arising from the insured’s operations.Learn More
The combined Contractors Pollution and Professional Liability form is designed for trade contractors with limited professional liability coverage.Learn More
Our Transportation Pollution Liability form is designed to insure pollution liability associated with environmental trucking and hauling risks.Learn More
What to Know About Endorsements and Exclusions
In addition to writing the CGL and CPL lines, some contractors may have other exposures that can be addressed by adding endorsements. Learn more about available endorsements by clicking on our product pages.
A restoration contractor was hired to remediate a high-end custom home after a pipe ruptured in an upstairs bathroom, causing water damage throughout the first floor. After the contractor completed the job, the homeowner sued the company upon learning that mold had developed behind the drywall. The claimant alleged the toxic mold led to a bodily injury. Under the standard GL pollution exclusion, coverage for this type of claim would be excluded. Under a Contractors Pollution Liability policy, the restoration contractor would have coverage for any environmental or pollution issue.
In August 2019, an ALTA-insured emergency response contractor in Oregon responded to fire damage at a high-value home as a result of a lightning strike during a recent severe storm. Not only was the interior severely damaged from the fire, but there was additional water damage from having to put out the flames. Luckily, the contractor took quick steps to mitigate any further damage to the house. Additionally, ALTA's policy addressed any subsequent environmental concerns or pollutants while the contractor finished remediating the property. The package policy was $11,697 and the insured has renewed with Alta since 2019.
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