Every cleaning and restoration contractor knows there are times where they are working on or around some pretty valuable items. Expensive rugs, pricey vases and other expensive items are found in many homes and businesses. The potential always exists that a contents cleaning specialist can damage an expensive item and be held responsible for the damage, either by the property owner or their insurance company.
“That is why I have insurance,” many contents restoration firm owners tell me when I ask them how they deal with dropping a $20,000 vase. However, very few owners actually know how their insurance policies work to cover them for damages they may cause to their client’s property. The reality is most firms today are woefully uninsured for dropping a $20,000 vase or damaging virtually anything they are working on, including turning a house into a mold ecology science project.