Account Opportunity: Fire & Water Restoration Contractors

Beacon Hill Associates has extensive experience writing fire & water restoration accounts—we have helped our agents bind over 1,000 policies for this class of business, written by the top environmental carriers in the industry.

Learn more about pollution exposures for fire & water restoration contractors.

We offer A+ rated coverage, fast turnarounds, and superior post-binding support.


Coverage available for fire & water restoration contractors

Package GL/Pollution/Professional

Standalone Pollution/Professional

Auto liability and physical damage coverage

Workers Compensation

Excess coverage

*We must write the GL package in order to offer the Excess, Auto, and Workers Compensation.


$1,000,000/$1,000,000 to $10,000,000

Minimum premiums

Package GL/Pollution/Professional starts as low as $2,500

Auto: As low as 1 or 2 vehicle count

Workers Compensation: $25,000

Available enhancements

  • Occurrence Mold coverage
  • Legionella and virus coverage
  • Emergency Response Coverage
  • Defense Outside the Limits
  • Ability to convert prior claims made coverage to occurrence
  • Care/Custody/Control
  • Lost Key coverage
  • Franchisor Specific Additional Insured language
  • Insurance work intermediary specific coverages
  • Disposal Site coverage
  • Transportation Pollution Liability (Over the Road)
  • Project Specific Policies
  • Stop Gap Liability
  • Guaranteed Cost Workers Compensation
  • Blanket Additional Insured and Waiver of Subrogation
  • Limited Cyber Liability

Submission requirements

  • Environmental application
  • ACORD apps for lines of coverage desired
  • 5 years currently valued loss runs
  • Relative experience for key personnel (for business less than 3 years old)


For more information or to discuss an account with our experienced team members, please contact us.