If you have read my columns in R&R over the years, you know I complain and warn a lot about the coverage problems with the liability insurance policies sold to restoration firms. It irks me to see a widespread and persistent problem with glitchy insurance coverage in the restoration business when the fix is cost-free. Such is the case with “additional insured” endorsements on general liability insurance policies sold to restoration firms who work with direct repair networks.
The insurance specifications of the informed networks are drawn up in such a way that the insurance specifications make it hard for you to be fundamentally uninsured for what you do for a living. There is nothing fancy in the insurance requirements in the networks; their goal is to make sure you are insured for the work you do.