Restoration Contractors Insurance
That Covers Every Risk – From Water to Fire and More
Why Restoration Contractors Need Insurance
Restoration work is unpredictable. Whether you’re handling water damage, fire restoration, or mold remediation, every job has risks. One mistake could lead to property damage, health risks, or legal claims. Without the right insurance, your company could face out-of-pocket expenses and delays that cut into profits.
Restoration contractors’ insurance protects you from:
- Hazardous Materials: Protection when handling mold, asbestos, and other contaminants
- Emergency Response: Coverage for fast-paced disaster recovery situations
- Chemical Risks: Safeguards against unexpected reactions from restoration products
- Client Property: Protection when working in homes with high sentimental value
At Affordable Contractors Insurance, our specialists tailor coverage to the unique risks of restoration work. Whether you’re on an emergency call or managing a long-term remediation project, ACI keeps your business protected from the unexpected.
Protect Your Contracting Business with Insurance - Save Up to 25%
Start with as little as 20% down.
Why Restoration Contractors Trust ACI
Fast Quotes & Certificates
Get coverage within hours with same-day certificates—essential when securing emergency restoration projects.
Save Up to 25% on Premiums
Bundle your restoration business policies for maximum savings while maintaining comprehensive protection.
Nationwide Coverage
State-specific policies ensure compliance wherever your disaster response work takes you.
Restoration Industry Expertise
Our specialists understand the unique requirements of water damage, fire restoration, and mold remediation businesses.
Coverage You Can Count On
What Does Restoration Contractor's Insurance Cover?
General Liability Insurance
Protects your business from third-party injuries and property damage—like if a client gets hurt on-site or equipment causes further damage.
Pollution Liability Insurance
Covers claims related to mold, asbestos, or hazardous material exposure—essential for restoration jobs involving health risks.
Tools & Equipment Insurance
Protects your essential tools from theft or damage, keeping your business running without costly delays.
Workers’ Compensation
Provides medical coverage and wage replacement if your crew gets injured on the job. Stay compliant and protect your team.
Completed Operations Coverage
Covers claims that arise after a project is completed—such as a hidden mold problem or lingering structural damage.
What Happens Without the Right Insurance?
Without the right insurance, restoration jobs can become a major liability:
If your installation causes property damage or a fire, you’ll be responsible for covering repairs, legal fees, and settlements.
Restoration involves working with hazardous materials—injuries or health-related lawsuits could cripple your business without liability coverage.
Equipment breakdowns or stolen tools could set back your projects. Without insurance, replacements are costly and time-consuming.
Fast, Reliable Service Every Step of the Way
At ACI, we know your time is valuable. That’s why we’ve made the process simple and fast:
Get a Quote in Minutes
Submit your info online for a quick estimate.
Speak to a RESTORATION INSURANCE Specialist
Our consultants know the industry and will tailor your policy.
(888) 505-9012
Start Coverage Today
With as little as 20% down and you’re ready to go.
Request Certificates Anytime
Fast, easy access to certs when you need them.
Get a Quote Today
Restoration work is tough—make sure your insurance is, too. Answer a few quick questions, and we’ll design a custom policy that protects your business from every angle.