*Aaron Millonzi was also a contributing author on this article.
I was recently chatting with a restorer and trying to explain why his insurance needed to be customized to cover the risks he faced in doing work assigned under master services agreements. Upon my second failed attempt to do so, I came to realization this was a complicated subject and that what I really needed was visuals to show how the liability flows between the restorer, the holder of the master services agreement, and the property insurance company.