Restoration & Remediation Insurance in New Jersey
Restoration and remediation contractors are called in after the loss — water, fire, mold, and biohazard cleanup — which puts them at the center of two hard exposures: environmental/pollution liability, and the professional risk of remediation that's later alleged to be incomplete.
Pollution and mold exposure
Mold, sewage, and biohazard remediation sit squarely in territory standard GL excludes as pollution. Restoration contractors typically need contractors pollution liability alongside GL — without it, the trade's most characteristic claims fall into a gap. This is the single most important coverage to get right for this class.
Did the remediation actually work?
Restoration also carries a professional exposure: a client alleging mold returned, drying was incomplete, or contamination spread. That's an errors & omissions question, not a GL one. For serious remediation work, pairing pollution coverage with professional liability is what makes the program whole.
Get your quote
Kevin Brown Insurance Agency is an independent NJ agency — Kevin Brown is a licensed NJ resident producer (License #3003694894) who shops multiple carriers to match restoration & remediation insurance to your actual operation. Call 732-944-1791 or start online for real options with the tradeoffs explained.