We utilize the expertise of our ally and InfiniTEAMMATE ARI Brokers (aka American Restoration Insurance Brokers) to provide our restoration and janitorial contractors with a specialty insurance program.
ARI Brokers specializes in writing the following policies:
Environmental Liability
Pollution
General Liability
Commercial Auto
Inland Marine
Property
Bonding
Workers Compensation
Professional Liability (Errors & Omission)
Why Choose ARI?
• ARI is dedicated to understanding the complex needs and exposures of the Restoration Industry.
ARI only writes insurance for restoration contractors.
• ARI is IICRC certified
• All ARI Agents are IICRC certified
• ARI is a proud member of the RIA
• Are you covered for MOLD, LEAD and ASBESTOS?
• ARI understands the hidden insurance exposures in the restoration industry.
• ARI's pre-qualification process allows clients to participate in a unique
and competitively priced program.
• ARI (proprietary) audit review process.
• ARI has the ability to obtain tailored Environmental and Professional Insurance Forms specific to the restoration contractor.
• ARI's program provides streamlined policy billing, simplified certificate issuing and several payment options.
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ARI Website
Are you covered?
MOLD:
There are several ways to cover mold and mold remediation. Does your current policy allow for modification of coverage?
The introduction of universal mold exclusions across the entire retail insurance marketplace has required mold remediation contractors to purchase specialized environmental (pollution) insurance to cover their exposure.
This causes two major concerns:
First, most of these types of environmental policies are lacking standardization and are very complex environmental insurance forms.
Second, these forms have been adapted to fit Restoration Contractors and are not necessarily intended to cover mold specific risks.
ASBESTOS & LEAD:
Restoration Contractors have to navigate the murky waters of coverage limitations and hidden exclusions. One of the most common missing coverage within a Commercial Pollution Liability (CPL) policy is Asbestos & Lead. Most “off the shelf” environmental insurance policies commonly exclude these two exposures. This could leave the Restoration firm uncovered if they accidentally uncover or cross contaminate a room with Asbestos or Lead. When building you insurance program, ARI will address these commonly excluded items.
Note:
If you provide consulting for Mold, Lead or Asbestos remediation, please talk to your ARI representative on how to properly insure and reduce your risk. It is very likely that your environmental liability policy does not provide coverage for this exposure.
Hidden Insurance Exposures?
The Restoration Contractors has many unique insurance exposures. Universal mold exclusions and limitations have permanently changed the business insurance and risk management needs for these contractors. Restoration firms now need to turn to the complex environmental (pollution) insurance market for many of their coverage needs. Environmental insurances is very complex and unlike general liability insurance, lacks standardization. Only one out of every seventy-five insurance agents in the United States has sold an environmental insurance policy. With over one hundred different environmental insurance policies available in the market place and hundreds of customizable endorsements, the need for specialty expertise in environmental insurance is obvious. Most “off the shelf” environmental insurance products are not well suited for restoration contractors. It is increasingly difficult to find an agency that can address all of these complex coverage needs. ARI assembles and individualizes an entire insurance program for each restoration contractor that it insures.
For this reason, ARI will provide an in depth audit of current policies and all coverage forms, enabling us to discover any hidden exposures within your policies.
Common findings and typical questions addressed during an ARI audit procedure:
Nearly all Restoration & Disaster Clean-up companies audited by ARI Brokers are misclassified!
Most “Non ARI” insurance policies have serious coverage deficiencies leading to possible uncovered claims. Including issues arising from the questions below:
• Does your current General Liability Policy or Pollution Liability policy have coverage to extend your work past the completion of a project? Should it?
• Does your current Pollution Liability policy have coverage for property damage arising out of impairment?
• Does your current General Liability Policy or Pollution Liability policy exclude claims arising from work performed by subcontractors?
• Do you have Bailment coverage? Do you need this coverage? If so, does it contain a legally liable clause? Should it?
• Does your current General Liability Policy or Pollution Liability policy cover property that’s in your care, custody or control? What exactly does that mean and how could that affect you?
• Do you need coverage for your professional exposure?
• Does your professional liability policy define your operations with wording specific to the IICRC standard of work?
• Does your current General Liability Policy or Pollution Liability policy restrict coverage for Completed Operations? Is that important?
• Do you have all of your equipment scheduled? What type of Inland Marine form should be used?
• Is your truck mounted extracting equipment covered?
