Restoration contractors, who specialize in repairing and rebuilding property damaged by natural or man-made disasters, are constantly facing unique environmental situations. From fire, flood, sewage, smoke and water damage to mold remediation, biohazard cleanup, contents restoration, and roof repairs and replacement, a restorations contractor must consider many risks.

OneBeacon’s enviro@vantage policy is specifically tailored to help restoration contractors with their environmental exposures by integrating multiple liability coverage on one easy policy.

Coverage includes:

  • Commercial, General Liability
  • Contractors Pollution Liability
  • Transportation Pollution Liability
  • Non-Owned Disposal Site Liability
  • Short-Term Premises Pollution Liability
  • Professional Services Liability
  • Additional coverage options include
    • Bailee’s
    • Follow-Form Excess
    • Business Auto

Details:

  • Available in all 50 states on non-admitted paper
  • Occurrence and Claims-Made coverage forms
  • Endorsements to comply with restoration (managed network) service provider requirements
  • Mold coverage available on an occurrence or claims-made basis
  • Additional terms available by endorsement, including blanket Additional Insured and Waiver of Subrogation and Primary/Non-contributory Wording
  • Deductible credits for mediation
  • Additional Insured for Grantor of Franchise included in our policy form
  • Transportation Pollution Liability including first party and third party carrier transportation pollution
  • Ninety days automatic coverage for newly acquired or formed organizations
  • Expanded definitions:
    • Environmental damage includes emergency response costs
    • Pollutants include viruses and bacteria including Legionella pneumophila, low-level radioactive waste, electromagnetic fields and mold
    • Pollution conditions include mold within a building and illicit abandonment at an insured location or a jobsite

Account requirements:

  • Minimum revenue of $1,000,000
  • Minimum premium for CGL-Contractors Pollution: $5,000. Contractors Pollution only: $3,500
  • Minimum three years in business
  • Limited amount of non-restoration related construction
  • No home building or construction defect repair