Underinsured = Underprepared: The Hidden Risk Restoration Companies Can’t Afford

As a restoration contractor, you're the one people call when everything goes wrong. Floods, fires, mold, storm damage — you’re built for chaos. But ask yourself this:

Is your insurance as ready as you are?

In the rush to get jobs done, hire crews, and keep the wheels turning, too many restoration companies carry policies that look good on paper — until something goes wrong. That’s when being underinsured stops being a line item on a spreadsheet and starts costing real money, jobs, and even your business.

At ARI Brokers, we specialize in protecting restoration pros. And we’ve seen it firsthand: underinsurance is one of the biggest threats to your operation.

🧨 The Real Cost of Being Underinsured

It’s not just about not having insurance — it’s about not having enough of the right kind.

Here’s how it can play out:

• You suffer equipment theft or damage and realize your policy only covers a fraction of what your tools are worth.

• A subcontractor gets hurt on-site — and your Workers' Comp coverage doesn’t extend far enough.

• You’re named in a liability claim from a job months ago, but your general liability limits are already tapped from a previous claim.

• You scale up after a natural disaster (more jobs, more trucks, more staff), but your policy doesn’t scale with you — leaving new assets and hires uncovered.

One disaster — or one lawsuit — could wipe out everything you've worked to build.

📉 Underinsurance Is Common in Restoration Work

Why? Because restoration is a fast-paced, often seasonal business. Contractors are focused on growth, hiring, and taking on big jobs — not combing through policy fine print.

Common gaps we see when reviewing policies for restoration businesses:

• Low inland marine (equipment) limits

• Outdated vehicle schedules

• Inadequate E&O (Errors & Omissions) protection

• No pollution liability coverage for mold, smoke, or water damage work

• Subcontractor liability blind spots

🔎 What Makes ARI Brokers Different?

We know restoration. We’ve been insuring companies like yours for years — and our team doesn’t stop at selling policies. We analyze your real risks, project where you're headed, and build a coverage plan that evolves with your business. We take pride in our ability to be one of your greatest assets and become part of your team that can make sure you are taken care of at every corner. We have:

✅ Deep knowledge of restoration insurance ✅ Fast, free risk assessments ✅ Custom-built coverage with no fluff ✅ Scalable protection for growth or catastrophe response ✅ Ongoing support, not just at renewal time

👷 Don’t Wait Until It’s Too Late

Restoration work is high-stakes, high-liability, and unpredictable. If your policy hasn’t been reviewed in the last year, or if you’ve grown your business recently, you could already be underinsured — and not even know it.

Let us take a look. One call could save you tens of thousands in uncovered losses later.

Reach out to us here at ARI Brokers so we can insure that you are covered where it matters most. We have team of experts that can be an asset to your future.

You’re the expert in putting things back together. We’re the experts in making sure you’re covered while doing it.

— The ARI Brokers Team