How Much Is Mold Remediation Business Insurance Today?
- Feb 9
- 2 min read
Mold remediation contractors face some of the highest liability exposures in the restoration industry. Whether you specialise in mold removal, water damage cleanup, storm restoration, fire cleanup, or mold testing, your insurance program must cover contamination risks, customer property damage, employee injury, equipment loss, and errors in testing or remediation.
Because of this, many contractors ask: How much is mold remediation business insurance today? The answer depends on your services, location, claims history, and the policies you need.
Below is a clear breakdown to help you estimate your insurance cost for a mold remediation contractor and request a competitive mold remediation business insurance quote.
1) Typical Annual Cost Ranges for Mold Remediation Insurance
Actual premiums vary by state, size, and scope of work, but many mold remediation businesses pay:
General Liability: ~$1,500–$8,000+ per year
Contractors Pollution Liability (CPL): ~$2,000–$12,000+ per year
Professional Liability (E&O): ~$1,500–$6,000+ per year
Contractors Equipment Coverage: ~$300–$2,500+ per year
Workers’ Compensation: Based on payroll and class codes (high for remediation techs)
Commercial Auto: ~$1,200–$3,500+ per vehicle
Property / Contents / Tools: Highly variable
Total annual cost can range from $5,000 to $35,000+, depending on your exposures and coverage limits.
2) What Impacts the Insurance Cost for a Mold Remediation Contractor?
Type of Work & Risk Level
Higher‑risk operations increase premium:
Mold remediation (especially black mold)
Storm and fire cleanup
Demolition or tear‑out
Testing, air sampling, and written reports
Contractors Pollution Liability (CPL) Needs
CPL is critical for mold. Without it, claims may be denied. Coverage limits (typically $1M–$2M) impact premium significantly.
Employee Count and Payroll
Workers’ Comp for remediation techs is often one of the largest cost drivers.
Equipment & Tools
Air scrubbers, negative air machines, moisture meters, dehumidifiers, and truck‑mounted units must be insured for theft, fire, and transport damage.
Claims History
Water damage, mold liability, or testing‑related claims affect pricing for 3–5 years.
Subcontractor Usage
Using subs without COIs (Certificates of Insurance) can raise your premium or disqualify you from some carriers.
3) How to Reduce Costs Without Losing Coverage
Maintain strict mold remediation protocols & PPE procedures
Document moisture mapping, drying logs, and clearance testing
Require subcontractor COIs with Additional Insured endorsements
Implement safety training (IICRC, NORMI, ACAC)
Consider slightly higher deductibles where comfortable
Work with a specialist who understands environmental and remediation risks
Get Accurate, Affordable Mold Remediation Insurance Today
Not every insurer writes mold remediation or restoration contractors, and choosing the wrong policy can leave major coverage gaps. Wexford Insurance partners with top‑rated carriers that specialise in mold remediation business insurance, helping contractors secure the right limits, deductibles, and policy structure at competitive pricing.
👉 Request your Mold Remediation Business insurance quote from Wexford Insurance today and ensure your projects, equipment, and crew are fully protected.
