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Restoration Contractors Risk Management Resources
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Restoration Contractors Insurance Program
Access to the entire insurance marketplace through ARMR.Network
I am interested in obtaining a quote for environmental insurance, Please fill out the Environmental Insurance Cost Estimator (pdf format) Please fax completed copy back to ARMR.Network or fax number is 608-836-9565 or email a completed copy to webmaster@armr.net or call 608-836-9590. We will contact you within 24 hours with our recommendations.
Insurance Applications for Restoration Contractors
In many instances the application becomes part of the policy.
ARMR.Network
highly recommends completing the proper application for the selected underwriter. For assistance contact an
ARMR.Network
broker who can guide you to the right application.
ARMR EZ Application for information only (PDF)
ARMR Contractors Applications(PDF)
ARMR
Cleaning and Restoration Contractor Application (PDF)
Liberty CPL Application(PDF)
Liberty Mold Supplemental Application(PDF)
American Safety Application(PDF)
ISO Commercial Insurance Application(PDF)
ISO Commercial General Liability Application(PDF)
Aspen -
Contractors Pollution Legal Liability Application(PDF)
Aspen
- Contractors Pollution Legal Liability Supplemental(PDF)
Aspen -
Environmental Contractor and Consultants Application
Aspen -
Fire Water Restoration Application(PDF)
Aspen -
Microbial Matter Questionnaire(PDF)
Berkley - Contractors and Consultants Application(PDF)
Berkley
- Site Specific Pollution Application(PDF)
Everest - Contractors Pollution Liability Application(PDF)
Rock Hill - Contractors Pollution Liability Application(PDF)
XL - Contractors Pollution Liability Application(PDF)
Zurich - Contractors Pollution Liability Application(PDF)
Customized Insurance For IICRC Certified Firms
We have customized insurance
packages that offer General Liability/Contractors Pollution
Liability/Professional Liability for S500 and S520 work and
premium discounts. Call an
ARMR.Network broker to discuss which
insurance options will be best for your firm.
The following markets write contractors liability insurance.
Contact an ARMR.Network
broker for the latest applications and insurance market updates for:
ACE
AIG
American Safety
ARCH
Aspen
Berkley
BISA
CHUBB
Evanston
Everest
Gemini
Freburg
Liberty
Rock Hill
XL
Zurich
Insurance Information
Available Coverages, Minimum Premiums
Restoration Insurance Specifications
Minimum Liability Insurance Requirements for Restoration Contractors
Sample Policies and Endorsements
Insurance policies sold to restoration contractors vary a great deal in the coverage they provide. Sample policies are offered here for your review. Consult with a qualified specialists in environmental insurance prior to procurring a policy.
Environmental Services Package Policy Form
Environmental Services Package Claims Made Fungus/Mold Coverage Endorsement
Environmental Services Package Incident Fungus Coverage
Environmental Services Package Fungus Covered Operations & Retro Dates
Contact Us
David Dybdahl, CPCU, ARM, MBA
President
Bob Rosenfeld, PhD, CPCU
Ron Anderson
Judi Martinez
Dan Scheider
Kari Dybdahl
Michelle Schlachter
Lori Waters
Cynthia Statz
dybdahl@armr.net
608-836-9567
Managing Director
rosenfeld@armr.net
310-937-7068
Director of Underwriting
anderson@armr.net
608-836-0551
Vice President
martinez@armr.net
608-836-9586
Assistant Vice President
scheider@armr.net
608-836-9833
Associate
kari@armr.net
608-824-3341
CSR
schlachter@armr.net
608-836-9520
CSR
waters@armr.net
608-836-9589
Anne Hyberger
Regulatory Compliance
anne@armr.net
608-609-0395
Administration
cindy@armr.net
608-836-0603
American Risk Management Resources Network, LLC
Specialists in Environmental Insurance and Risk Management
ARMR.Network is the premier insurance brokerage firm specializing in the restoration contracting industry. With the introduction of the universal mold exclusion, insurance and risk management for the restoration contractor became very complex. We have exceptionally qualified brokers working in offices coast to coast to assist you. We work through your local insurance agent. Call today to talk to one of our brokers.
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Restoration Contractor Resources
Articles and White Papers
IICRC Membership
RIA Code of Ethics
RIA
Membership
ARMR.Network supports
these industry groups
Crawford Contractor Connection Preferred
Vendor Insurance Program
The
easiest way to buy liability insurance for participants in the
Crawford Contactor Connection network
A Perfect Insurance Storm is Brewing:
Brace for a Wild Ride
By David Dybdahl, CPCU, ARM, MBA,President ARMR.Network,LLC,
Posted: May/June 2011, Restoration & Remediation . The
perfect combination of events promises to make the
procurement of business insurance for restoration
contractors more difficult and expensive in the near future.
Two large insurance companies that have specialized in insuring restoration contractors for years are refusing to renew.....
Special Insurance Needs
For Cleaning, Drying and Restoration Contractors
By David Dybdahl, CPCU, ARM, MBA,President ARMR.Network,LLC,
Posted: January 12, 2011, Restoration & Remediation . In
2004 I predicted that the insurance needs of Cleaning and
restoration contractors would change dramatically if the
insurance industry went ahead with their plans to
universally exclude mold claims from the insurance policies
of the property owners, contractors and even insurance
agent's professional liability insurance policies.
Specifically what I predicted was....
NEW - Chinese Drywall Creates Unprecidented Growth and Risk for Restorers - By David Dybdahl, CPCU, ARM, MBA, President ARMR.Network Chinese drywall remediation is shaping up to be the largest single source of potential new revenue for restoration contractors in history. According to the actuarial consulting firm .......
NEW -
Chinese Drywall - Insurance Coverage
Issues and Solutions
By David Dybdahl, CPCU, ARM, MBA,President ARMR.Network,LLC
Chinese Drywall related claims. However some insurance tools are
available to fix possible coverage gaps prospectively and
retrospectively.....ARMR.Network, LLC has customized insurance
products available which have been specifically tailored to this
new loss exposure.
Macro Insurance Industry Trends and the Restoration Contractor
By David Dybdahl, CPCU, ARM, MBA, President ARMR.Network, LLC July/August 2009, Restoration & RemediationShould I Make A Claim On My Liability Insurance? By David Dybdahl, CPCU, ARM, MBA, President ARMR.Network, LLC July 14, 2009
"What proactive steps does your company take to handle risk
management issues?"
Leaders in the restoration
industry comment on "What proactive steps does your company take
to handle risk management issues?" Cleaning &
Restoration Magazine, August 2008 - Vol. 45 No. 8
General Liability Insurance & Mold - Joining The Green Revolution, Cleaning & Restoration Magazine, April 2008 - Vol. 45 No. 4
Do your Business Practices Reflect you Ethics? The Leader's Circle, Cleaning & Restoration Magazine, January 2008 - Vol. 45 No. 1
Reported Mold Claims/Loses In The United States
Every year the insurance
industry issues tens of millions of insurance policies that
contain MOLD EXCLUSIONS. These exclusions materially affect
the coverage for as broad range of claims. Read these case studies for an
enlightening view of how mold exclusions strip out insurance
coverage. Properly structured environmental insurance
covering mold would have been the needed coverage solution
for many of these examples.
There is Less Gold in Mold for Restoration Contractors
August 2006, Cleaning and Restoration Magazine, Association of Specialists in Cleaning and Restoration.
Restoration contractors working in mold remediation face higher risks and
lower margins than in the past. Following guidance documents like IICRC S520
and buying good quality insurance are the keys to managing the risk. This
article offers advice on how to do both.
Dave's Top 10 Ways to Save Money and Buy Better Insurance
The article examines five easy ways to minimize the rates paid for business
liability and five suggestions to improve the quality of Contractor's Pollution Liability insurance.
Mold Pollution Insurance Peril
August 2006, Cleaning and Restoration Magazine, Association of Specialists in Cleaning and Restoration.
Authored by a restoration contractor and a senior environmental insurance
broker this article offers practical advice on managing and insuring the
mold risks in the restoration business.
Mold Risk Management For Restoration Contractors
March 2006, ICS Cleaning Specialist
A well researched article based on thousands of experience years of claims
data and input from leading mold trial lawyers create a simple process to
avoid mold losses.
Insurance And The Restoration Contractor
April 2005, ICS Cleaning Specialist
Firms facing the new insurance reality face challenges in finding
affordable insurance. This article offers suggestions on how to thrive in
this new business climate for restoration contractors.
Mold Forces Restoration Contractors to Face a New Insurance Reality
Mold exclusions will force restoration contractors into the highly complex
and specialized world of environmental insurance. This macroeconomic
article explores what those changes will mean to the restoration business.
A Restoration Contractor's Buying Guide to Contractor's Pollution Liability Insurance SEARCH
CPL policies were originally created to insure hazardous waste clean up
contractors for the federal governments Superfund program. Therefore most of
the CPL policies on the market contain significant gaps in important
coverages when they are sold by insurance agents who are not trained
specifically in environmental insurance to unsuspecting restoration
contractors. This article details what top risk managers look for when buying what is
usually very expensive insurance.
