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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 focused Restoration Contractors Insurance program built for restoration professionals. Delivered as part of our Environmental Services Package Policy, this program is available throughout the United States and Canada and provides essential protection for environmental exposures commonly faced by restorers—including mold and fungus-related claims.

Ideal Accounts and Appetite

This program is designed for restoration contractors who perform water, fire, smoke, mold, biohazard cleanup, and structural restoration work. Typical accounts include:
  • Water and flood damage restoration contractors
  • Mold remediation specialists
  • Fire and smoke damage restoration firms
  • Contractors performing environmental cleanups and decontamination
Legends places accounts ranging from small, single-state firms to multi-state operations. The program favors contractors with documented risk management practices, OSHA and industry-standard procedures, and strong service protocols.

Coverage Highlights and Advantages

Our Restoration Contractors Insurance program packages multiple coverages into a single, coordinated policy to simplify placement and often reduce overall cost compared to separate policies. Key features include:
  • Contractors Pollution Liability – Third-party liability for pollution incidents, including mold and other environmental hazards.
  • Commercial General Liability – Coverage for bodily injury, property damage, and completed operations exposure.
  • Professional Liability – Errors and omissions protection for professional services and consulting related to restoration work.
Additional advantages:
  • Fungus and mold-related claims included within the Environmental Services Package
  • Access to multiple markets to match a client’s risk profile
  • Wholesale broker expertise and environmental claims handling support

Underwriting Notes and Minimum Premiums

Underwriting focuses on restoration operations with demonstrated controls and procedures. Important points for submissions:
  • Minimum premium: $4,000
  • Minimum deductible: $2,500 under the Environmental Services Package
  • Policy limits available up to $25,000,000
  • Contractors Environmental Liability is also available as a standalone product
What tends to fit: contractors with routine emergency response, controlled remediation projects, and documented quality controls. What may not fit: accounts with significant uncontrolled industrial pollution, long-term remediation with open legacy contamination, or firms lacking formal risk management—these require review and may need alternate placement.

Territories and Availability

Coverage is available across all 50 states, Washington, D.C., and Canada. Some admitted markets are available depending on the state and risk class; Legends leverages multiple carriers (admitted and non-admitted) to secure the best solution for each account.

Why Work With Legends Environmental Insurance Services?

As a wholesale broker focused on environmental exposures, Legends brings targeted underwriting relationships and deep claims expertise for restoration risks. Agents benefit from:
  • Specialized markets that understand restoration exposures
  • Guidance on submission structure and risk mitigation to improve placement odds
  • Support through policy placement and environmental claim handling
Example account scenarios:
  • You have a regional mold remediation firm that performs residential and commercial work and needs contractors pollution plus completed operations limits—this program can bundle those exposures into one policy.
  • Your client is a multi-state water damage restoration company seeking higher limits and consistent terms across states—Legends can access carriers and admitted markets to tailor the placement.

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 best for restoration contractors focused on mold remediation, water and fire damage repair, and environmental cleanup services—with established risk management practices.

Is mold coverage included in the policy?

Yes. Fungus and mold-related claims are included within 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. Coverage is available in all 50 states, Washington D.C., and Canada; admitted availability depends on state and risk class.

Who are the carriers behind this program?

Legends works with multiple markets—both admitted and non-admitted—to provide flexible options tailored to each client’s exposures.

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.