Most restoration contractors have glaring coverage gaps in their liability insurance resulting from professional exclusions.
Some misinformed insurance practitioners will say that restoration contractors are not providers of professional services and therefore do not need professional liability insurance. The smart ones will not put this in writing. Do not listen to this chatter. What those well-intentioned but naive commentators do not know is how exceptionally well what a restoration firm does for a living fits neatly into the professional exclusions commonly found in the liability insurance policies sold to virtually all types of contractors.