Insurance for Restoration Contractors

Insurance Incorporated can provide you with an insurance package specifically tailored to the restoration contractor industry. Talk to an agent who can help you understand what your exposures are and how they can be covered in the event of a loss. From general liability to commercial auto insurance we have the competitive options you’ll need to cover your restoration company.

Call us today at 877-428-8778 and speak with a licensed California agent who can help!

Insurance Coverage Specific to Restoration Contractors

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

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.

Many restoration companies use a variation of trucks, vans, and sedans to service their clients. It’s important commercial auto insurance is 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.

California 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. Visit the California Department of Industrial Relations to learn more about fines and penalties.

Restoration insurance policies may also include the following options:

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

Call 877-428-8778 now and speak with a licensed agent who can help you understand your business insurance needs! We insure restoration contractors across the entire state of California.