Mold Restoration & Chinese Drywall Insurance

IOA LIABILITY INSURANCE FOR RESTORATION MOLD & CHINESE DRYWALL CONTRACTORS

PROGRAM HIGHLIGHTS

Commercial General Liability (CGL); Contractors Pollution Liability (CPL) and/or E&O Professional Liability (E&O) for risks primarily involved in water extraction, emergency response contracting, mold remediation and other similar categories. For contractors primarily involved in reconstruction/restoration work we can also consider program coverage. Auto & workers compensation also available.

POLICY HIGHLIGHTS

  • CGL and CPL is usually Occurrence Form
  • E&O is usually Claims Made Form
  • Prior Acts Available
  • Annual & Per Project Policies
  • Defense is outside the limit for CGL
  • Defense Costs are included within the policy limits for CPL
  • Low Deductibles for most risks

EXAMPLES OF ELIGIBLE CLASSES:

  • Air Duct Cleaning
  • Carpet/Upholstery Cleaning
  • Emergency Response – Fire
  • Fire Damage Restoration
  • Mold & Chinese Drywall Remediation
  • Mold Inspectors and Mold Preventative Application
  • Water Damage Restoration
  • Water Extraction
  • Other Related Categories Can Be Added

STANDARD LIMITS:

Base limits are $1,000,000 per occurrence with a $1,000,000 policy aggregate Higher limits and Umbrella coverage can be considered
MINIMUM DEDUCTIBLE: Deductibles start at $500 for CGL; CPL; E&O going up to $10,000
SECURITY: A+ Excellent


APPLICATIONS REQUIREMENTS:

ENVIRONMENTAL CONTRACTORS APPLICATION – PLEASECONTACT FOR PROMPT SERVICE:
Rod Morton, Senior Vice-President
Insurance Office of America, Inc
P.O. Box 162207, Altamonte Springs, Fl 32716-2207
PH 407-998-4109 (800-243-6899) Fax 407-788-7933
E-mail: rod.morton@ioausa.com


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