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. 

To clean or not to clean: that is the question. Every cleaning job is unique and must be approached as such.

No restoration contractor would consider going without their General Liability or Property insurance, yet studies have shown you are more likely to have an Employment Practices Liability (EPL) claim than either of those.

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.