ClickCease Skip to main content

Restoration Contractor Insurance

Restoring faith in the risks you take.

Restoration contractor insurance provided by Insurance Incorporated.

Home » Restoration Contractor Insurance

Restoration contractors in California engage in a wide variety of operations that may include carpet cleaning or major construction work such as rebuilding a structure. It’s important you have a policy tailored to your operations.

Coverage for every type of contractor.

A specialty contractor insurance policy is an easy way to cover multiple risks without having to settle for a one-size-fits-all policy that wastes money on coverage you don’t need. There are a variety of options available depending on what type of contracting work your business does.

The benefits of general liability for contractors.

General liability insurance can provide coverage if your company or employees cause bodily injury or property damage to someone else. The standard limit on a restoration company liability policy is $1,000,000 per occurrence and $2,000,000 aggregate. Most carriers provide the option to increase limits based on company exposure.

Protection for the equipment you use.

Many restoration companies use a variation of trucks, vans, and sedans to service their clients. It is important to have commercial auto insurance in force to provide coverage to the company during an accident. A personal auto insurance policy will not provide coverage for business use. The industry standard limits for auto liability coverage starts at $1,000,000 in combined single limits.

Coverage for your employees.

In some states, the law requires an active workers’ compensation insurance policy for business owners with one or more employees. Workers’ compensation insurance can provide coverage for medical bills, lost wages, and rehabilitation services. Failing to carry workers’ compensation insurance when required can result in a criminal offense punishable by imprisonment or a fine no less than $10,000.

Additional coverage contractors should consider.

You take on many risks when restoring the faith in your clients. Some additional insurance policies may also include the following solutions:

  • Business Personal Property
  • Bailees Coverage
  • Inland Marine
  • Equipment Breakdown
  • Professional Liability
  • Building Coverage
  • Cyber Liability
  • Pollution Clean-Up
  • Umbrella

Don’t chance your business to financial loss any longer. Contact our agency to learn more about how to protect your restoration business.

Restoration Contractor Insurance - View of a Construction Worker Fixing and Repairing a Ceiling in a Restaurant With Tools and on a Ladder in the Background and Blurred

Get Started Today

As an independent agency, we are here to help you find the right Restoration Contractor Insurance coverage.

Get a Quote

  Restoration Contractor Insurance Quote Request

As an independent agency, we are here to help you find the right coverage.

  • Insurance Incorporated complies with applicable laws and regulations governing text messaging and email marketing, including the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, and the California Consumer Privacy Act (CCPA). We respect your privacy and are committed to providing you with transparency and control over the use of your phone number and email address for marketing purposes.

    By providing your phone number and email address and opting-in to receive messages from us, you consent to receive marketing and promotional text messages and emails from us. We may use your phone number and email address to send you transactional messages related to your account or order.

    You can opt-out of receiving text messages and emails from us at any time by following the unsubscribe instructions provided in each message or by contacting our customer service team. Standard messaging and data rates may apply.

    We do not sell or rent your personal data to any third party. We may share your data with our service providers who help us to deliver our messaging services and to fulfill your requests.
  • This field is for validation purposes and should be left unchanged.

Get a Quote

It only takes a minute to get started.

  • Fill out the form, we’ll be in touch.
  • Review options with an agent.
  • Get the coverage you need.

Would you rather discuss this in person? Get in touch with an agent today!