Fire Water Restoration Insurance
Driscoll & Driscoll Insurance Agency is a national specialty environmental and casualty retail insurance borkerage. We currently place business for Fire/Water Restoration Contractors in 46 states. We are the preferred vendor for the Restoration Industry Association (RIA), Disaster Kleenup International (DKI), and Paul Davis Restoration (PDR).
We have carriers that meet the insurance requirements of Crawford Contractor Connection, Alacrity, 3rd party administrators, and the major property insurers.
We offer coverage for General and Pollution Liability, Commercial Autos, Inland Marine, and Workers' Compensation.
PuroClean Program
American Safety Insurance program for PuroSystems PuroClean franshisees
Recently, there has been confusion in the marketplace created by others, regarding American Safety Insurance. We at Driscoll & Driscoll have worked together with ASI to provide you with the correct information to make an informed decision when selecting an insurance carrier. The Puroclean program coverage highlights are listed below. For more information about this program, please contact us today or request a quote.
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click here to download in pdf format)
• American Safety Indemnity Company is Rated A VIII by A.M. Best.
• ASI has been writing environmental insurance since 1986.
• Capacity of 11M/11M, including the ability to write excess policies over your auto liability and
employers’ liability coverages.
• The General Liability and Contractors Pollution Liability coverage parts are written on an
occurrence based policy form with mold coverage being provided under a claims made coverage
grant.
• A separate coverage part for Professional Liability is provided. This is an important coverage
because professional liability exclusions in Commercial General Liability and Contractors
Pollution Liability insurance policies typically exclude all losses arising out of the preparation of
opinions and reports. Under the guidelines for IICRC S500 Water and Drying and S520 Mold
Remediation contractors are often times required to develop work plans and they render opinions
in doing so
• We offer a CPL endorsement designed to permanently convert your current Claims-Made based
CPL coverage to an Occurrence based policy form and pick up the retro date if needed. The
premium for this one time conversion is incorporated into this proposal. The major benefit of this
American Safety endorsement is the customer will not have to pay additional premiums of up to
200% of the expiring CPL premium to buy an Extended Reporting Period in the event of
cancellation or non-renewal of their CPL insurance at some point in the future.
• The “Your Work”” and “Property Damage to Impaired Property” exclusions have been removed
from the CPL coverage part to address the insurance coverage needs of restoration contractors.
This is particularly important in light of the emerging case law surrounding mold losses. Courts
are determining in mold damage losses the entire structure is the contractor’s work and therefore
the “Your Work” exclusion bars all coverage for damage to the structure.
• Contractors Pollution Liability Coverage is dedicated. It does not share limits with the General
Liability and Professional Liability coverages and does not erode the aggregate.
• All policies under $10,000 in premium are non-auditable
• If Auditable, a 20% audit buffer is included in the policy
• Blanket ongoing & completed operations coverage for additional insured where required by
written contract
• Blanket Waiver of Subrogation where required by written contract
• Blanket Primary Non Contributory Insurance Endorsement where required by written contract
• Broad definition of pollutants, including bacteria
• Mold remediation and mold causation coverage available
• Asbestos & Lead Coverage provided (restoration contractors licensed lead and asbestos abatement
subcontractors coverage endorsement available if insured subcontracts these services)
• Employee Benefits Liability coverage available by request for a nominal additional premium
• Stop Gap coverage available by request for a nominal additional premium
• Baliees coverage available by request for an additional premium
