You clean up the damage. Coverage handles the rest.
General liability, contractors pollution, workers' comp, auto and equipment for water damage, fire and smoke, and mold remediation contractors.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Mold and pollution change the picture
Restoration contractors work in damaged homes and buildings, often under tight deadlines. Many general liability policies exclude mold and pollution claims, which are core exposures for the trade.
Contractors pollution liability fills that gap. I place restoration contractors with markets that write mold remediation, water mitigation and fire restoration.
- General liabilityDamage to property and injuries.
- Contractors pollutionMold, sewage and contaminants.
- Workers' compTechnicians and crews.
- EquipmentDehumidifiers, air movers and scrubbers.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- License: CSLB number, if licensed.
- Work: water, fire, mold or all three.
- Abatement: asbestos or lead work.
- Payroll: employees and subcontractors.
- Revenue: annual gross receipts.
- History: current policies and loss runs.
Restoration contractor insurance, answered
Does general liability cover mold claims?
Often not. Many policies exclude mold. Contractors pollution liability covers it.
Do insurance carriers require coverage for program work?
Carrier and TPA programs often set minimum limits and pollution coverage.
Is my drying equipment covered?
With inland marine or equipment coverage, on jobs and in transit.
Is asbestos abatement covered?
It needs specific coverage and licensing. Disclose it.
Do you offer restoration contractor insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Send your work types. I'll shop it.
Services, payroll and revenue are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.