Mold Remediation Business Insurance: Key Coverages You Need
- Feb 9
- 2 min read
Mold remediation contractors operate in high‑risk environments—contamination, water damage, structural drying, demolition, contents handling, and often testing/clearance documentation. One coverage gap can turn a routine job into a major loss. The right mold remediation business insurance protects your crew, customers, equipment, and balance sheet—while meeting client and lender requirements.
Below are the core coverages every remediation and restoration firm should consider before requesting a mold remediation business insurance quote.
GL is your foundation for third‑party bodily injury and property damage arising from operations (e.g., a customer or adjuster trips on cords; over-spray or accidental damage during tear‑out). Many carriers exclude mold/fungi on GL, so GL alone is not enough for remediation work.
2) Contractors Pollution Liability (CPL) — Critical for Mold
CPL addresses mold, microbial matter, and pollutants, exposures typically excluded by standard GL. It can include defense and cleanup costs for alleged contamination, off‑gassing, improper disposal, or cross‑contamination. Most commercial clients expect CPL limits starting at $1M per claim; higher limits may be needed for hospitals, schools, or large facilities.
If you perform mold testing, moisture mapping, air sampling, protocol writing, or final clearance documentation, you need E&O. It responds to allegations of negligent professional services, incorrect readings, misinterpretation, incomplete reports, or scope/design errors that cause financial loss.
4) Contractors Equipment & Tools (Inland Marine)
Remediation firms depend on air scrubbers, negative air machines, dehumidifiers, HEPA vacuums, thermal imagers, and meters. Inland Marine covers theft, fire, and transit losses to owned equipment and scheduled tools, often with off‑premises coverage for job-sites and vehicles.
Remediation techs face PPE‑intensive and physically demanding tasks (lifts, slips, confined spaces, contaminated structures). WC is usually mandatory when you have employees and is a major driver in the insurance cost for a mold remediation contractor. Safety training, fit‑testing, and return‑to‑work programs help control cost.
Covers trucks and vans hauling crews and equipment. Underwriters review driver MVRs, garaging, radius, telematics, and loss history. If you hire subs or use employee vehicles, consider Hired & Non‑Owned Auto.
Protects office contents, storage/warehouse, and in some cases stocked supplies (poly, filters, chemicals). Pair with Business Income/Extra Expense if a covered loss shuts down your facility.
8) Umbrella / Excess Liability
Adds higher limits over GL, Auto, and Employers’ Liability, often required on larger commercial contracts and public entities.
Get Complete Protection for Your Remediation Business
Not every insurer writes environmental or restoration risks, and the wrong policy can exclude mold entirely. Wexford Insurance partners with top‑rated carriers that specialise in mold remediation business insurance, helping contractors set the right CPL/E&O limits, structure deductibles, and close coverage gaps, at competitive pricing.
👉 Request your Mold Remediation Business insurance quote from Wexford Insurance today and protect your crew, equipment, and customers.
