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Restoration Contractors  

Although most restoration contractors have not envisioned themselves in the past as providers of “Environmental Services”, the advent of universal mold exclusions and their work with water and drying in the indoor environment have moved Restoration Contractors into the realm of Environmental Contractors for insurance purposes.

The liability insurance package policy in our program combines Commercial General Liability insurance with Contractors Pollution Liability and Professional Liability insurance including coverage for fungus/mold related claims into a single policy. Combining the coverage parts into a single policy and sharing the same limits of liability saves premium dollars. The package policy also facilitates settling claims in the event of a loss pertaining to more than one line of coverage.

The professional liability coverage part in our package policy is generally not available in the insurance market place to restoration contractors; for firms with degreed professionals on staff this coverage part is an important part of the insurance package. The insurance program is being provided by an A M Bests “A”, XV insurance company with a long, stable and respected presence in the environmental insurance market place.

Coverage’s Available:

The Environmental Services Package Policy combines occurrence based Commercial General Liability and Contractors Pollution Liability with claims made Professional Liability into one insurance policy sharing common policy limits of liability. The ESP policy is usually less expensive than purchasing separate policies to insure these same loss exposures. Package policies have superior claims handling attributes than purchasing separate policies.

Premium and Limits:

Minimum Premium $10,000 for the Environmental Services Package
Minimum Deductible $10,000 on the Environmental Services Package
Maximum Policy Limits Up to $25,000,000
Contractors Environmental Liability Available as a single product.
Minimum premium $4,000
Policies are available in US and Canada.

Additional Insured's:

The contractor’s customers can automatically be named as additional insured’s on the General liability and Contractors Pollution Liability policies. A special endorsement has been crafted to add third party claims administrators and property insurance companies as additional insured’s on the policy.


The rates for commercial insurance vary a great deal depending on the amount of insurance purchased, the revenue of the insured, the mix of business, deductibles, the state the insured is located in, and past losses. We are constantly monitoring the insurance market place for insurance pricing and quality. We are confident that our insurance program offers an outstanding value, especially if the environmental insurance coverage and professional liability are taken into account.

Contact Us today to get your quote!

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Proudly Serving the Environmental Insurance needs of Our Customers, for over 25 Years and Counting..
Legends Environmental Insurance Services ~ 130 Vantis, Suite 250, Aliso Viejo, CA 92656 ~ Lic # 0c79875 ~ Phone: 800.992.6999
Legends Environmental Insurance Services, LLC.

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Restoration Contractors Page