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Legends Environmental Services
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Legends Environmental Services
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Restoration Contractors Insurance

Legends Environmental Insurance Services offers a specialized Restoration Contractors Insurance program designed to meet the unique needs of restoration professionals. This program is part of our comprehensive Environmental Services Package Policy and is available across the United States and Canada. It provides critical coverage for environmental exposures, including mold and fungus-related claims—common risks in the restoration industry.

Ideal Accounts and Appetite

If you're an agent working with restoration contractors, this program is tailored for businesses involved in water, fire, smoke, mold, or biohazard cleanup and structural restoration. Typical accounts include:
  • Water and flood damage restoration contractors
  • Mold remediation specialists
  • Fire and smoke damage restoration firms
  • Contractors handling environmental cleanups
Whether your client is a small firm or a multi-state operation, Legends has markets to help you place complex environmental risks with confidence.

Coverage Highlights and Advantages

Our Restoration Contractors Insurance program offers broad protection through a packaged approach, often more affordable than securing separate policies. Coverage highlights include:
  • Contractors Pollution Liability – Protects against third-party claims for pollution events, including mold and other environmental hazards.
  • Commercial General Liability – Covers bodily injury, property damage, and completed operations.
  • Professional Liability – Covers errors and omissions arising from professional services.
Additional benefits include:
  • Superior claims handling with environmental expertise
  • Coverage tailored specifically for restoration risks
  • Fungus/mold-related claims included

Underwriting Notes and Minimum Premiums

Underwriting is focused on restoration professionals with sound risk management practices. Key points:
  • Minimum premium: $4,000
  • Minimum deductible: $2,500 under the Environmental Services Package
  • Policy limits available up to $25,000,000
  • Contractors Environmental Liability available as a standalone product
This program is flexible and can accommodate a wide range of restoration operations, from regional contractors to niche environmental service providers.

Territories and Availability

Coverage is available in all 50 states, Washington D.C., and Canada. Some markets are admitted, depending on the state and risk class. We offer access to multiple carriers to help find the best fit for your client’s risk profile.

Why Work With Legends Environmental Insurance Services?

As a wholesale broker with deep expertise in environmental risks, Legends Environmental Insurance Services offers unmatched support for agents placing restoration-related accounts. We understand the liability exposures restoration contractors face and provide tailored solutions to help you serve this growing market segment. From competitive pricing to expert claims handling, our team is here to support you every step of the way.

To learn more about our Restoration Contractors Insurance or to discuss a specific risk, contact us at 714-955-1560.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for restoration contractors involved in mold remediation, water and fire damage repair, or environmental cleanup services.

Is mold coverage included in the policy?

Yes, coverage for fungus and mold-related claims is included under the Environmental Services Package Policy.

What is the minimum premium for this program?

The minimum premium starts at $4,000, with a minimum deductible of $2,500.

Can I write business in any state?

Yes, this program is available in all 50 states, Washington D.C., and Canada.

Who are the carriers behind this program?

Legends Environmental Insurance Services works with multiple markets to provide flexible options, including some admitted carriers depending on the state.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Canada:
    Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland / Labrador, Northwest Territories, Nova Scotia, Nunavut, Ontario, Prince Edward Island, Quebec, Saskatchewan, Yukon Territory
  • Provider Type:
    Wholesale Broker
  • Admitted:
    Some Available Markets
  • Carriers:
  • Carrier Ratings:
    AM Best "A" Rated Carriers Only
  • Commission:
    Competitive
  • Min Premium:
    $4,000

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CONTACT INFORMATION

LOCATION

130 Vantis, Suite 250
Aliso Viejo, CA 92656
800-992-6999
0c79875
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Legends Environmental Services has other insurance programs like Artisan Contractors Insurance.