Fire and Water Restoration Contractors Insurance Program
Bonding and Insurance Specialists Agency, Inc. (BISA) offers a specialized insurance program designed specifically for Fire and Water Restoration Contractors. This program provides essential General Liability coverage tailored to the unique risks that restoration professionals face—including coverage for mold-related exposures. Backed by A.M. Best A-rated carriers, our program is underwritten in-house to deliver fast, knowledgeable service and custom solutions for your clients.
Ideal Accounts and Appetite
This program is ideal for contractors who specialize in fire damage cleanup, water extraction, structural drying, and mold remediation. Whether your client handles residential, commercial, or mixed-use property restoration, we can help you find the right coverage fit.
Examples of good-fit risks include:
- Contractors who respond to flood or water damage emergencies
- Restoration firms that perform smoke and fire cleanup
- Businesses offering mold remediation services
We also consider accounts that require bonding, including Performance and Payout Bonds, which are available for this class of business.
Coverage Highlights and Advantages
Key coverage features include:
- General Liability tailored for restoration contractors
- Mold-related liability coverage
- Optional Performance and Payout Bonds
- Access to top-rated, non-admitted carriers
Our underwriting team understands the restoration industry and can work with you to craft policies that meet both standard and complex client needs. By handling the underwriting in-house, we can provide quicker turnaround times and deeper insight into risk management issues specific to this industry.
Underwriting Notes
As this is a non-admitted program, we have flexibility to structure coverage for challenging or unique accounts. While minimum premiums vary based on risk profile and location, we can assist in evaluating accounts of all sizes—from small restoration crews to larger regional contractors.
We welcome submissions with detailed scopes of work and loss history. Our team is also available to help review bonding requirements and assist with project-specific needs.
Territories and Availability
This program is available in most states, including but not limited to: CA, FL, NY, TX, IL, GA, and PA. We currently write business in all states except those with unique regulatory restrictions. Please reach out to confirm availability in your client’s state.
Why Work With Bonding and Insurance Specialists Agency, Inc.?
At BISA, we specialize in hard-to-place and niche contractor risks. Our in-house underwriting gives us agility, and our access to A-rated markets ensures quality coverage. Fire and Water Restoration Contractors face complex exposures—mold, emergency response, structural repair—and we understand how to address those risks effectively.
If you have a restoration contractor client who has struggled to find mold coverage or needs bonding to qualify for new projects, we can help you secure the right solution quickly. Partner with BISA to deliver specialty coverage and bonds that help your clients grow their business safely and compliantly.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Fire and Water Restoration Contractors who handle water extraction, fire damage cleanup, and mold remediation are ideal candidates. We also consider contractors needing Performance and Payout Bonds.
Does the program include mold liability coverage?
Yes, mold-related liability is included as part of the General Liability coverage, addressing a critical exposure for restoration contractors.
Is this an admitted or non-admitted program?
This is a non-admitted program written through A.M. Best A-rated carriers, allowing for flexibility in coverage structure and underwriting.
What states is the program available in?
The program is available in most U.S. states, including CA, TX, FL, NY, and many others. Contact us to confirm availability in your client’s specific state.
Can you provide bonds for restoration contractors?
Yes, Performance and Payout Bonds are available for eligible contractors in this class of business.
Need help placing an account? Connect with a market specialist.