Assume the Risk or Push it Down

By Ross Driscoll Jr. Originally Published in C&R Magazine, May/June, 2022 The environmental insurance landscape for restoration contractors is constantly evolving. Whether carriers are updating policy forms, increasing rates, becoming more restrictive, or in­creasing underwriting standards, the one thing that is always constant is change. Over the past two years, I have seen more carriers […]

Cyber Liability: Not Required, But Necessary

By Ross Driscoll Jr. Originally Published in C&R Magazine, March/April, 2022 Business owners seem to be waking up and see­ing the need for better cybersecurity. Cyber liability is still relatively new compared to the rest of the insurance marketplace. I estimate that less than 10% of the restoration industry purchases cyber liability coverage. This is […]

Press Release: National E&S Insurance Brokers® Partners with CapSpecialty® for Covid-19 Contractor’s Cleanup Coverage Program

National E&S Insurance Brokers®, a California-based wholesale broker specializing in all environmental and construction insurance lines, announces an exclusive Covid-19 cleanup program with CapSpecialty®, a leading provider of specialty insurance for small to mid-sized businesses in the U.S.  This program aims to provide affirmative pollution coverage for contractors doing commercial Covid-19 clean up and remediation […]

Pandemic Creates a Brand New Market

Pandemic Creates A Brand New Insurance Market For Agents And Brokers Your exclusive invitation from Ross Driscoll Jr. to unlock a new revenue stream for your clients, make sure they are properly covered with anything COVID-19 related, and reduce your own E&O risk with our exclusive… COVID CLEANING COVERAGE (C.C.C.) From the beginning of […]

Bailees Coverage Concerns for Restorers

By Ross Driscoll Sr., CIC, CR Originally Published in C&R Magazine, Quarter 3, 2019 If you are a restoration contractor, every day you are taking on risk for other people’s property, even if you are not taking it to your facility. Bailees provides coverage for the care, custody and control of other people’s property in […]

Small Entity Compliance Guide to Renovate Right EPA’s Lead-Based Paint Renovation, Repair Painting Program

A handbook for contractors, property managers and maintenance personnel working in homes and child-occupied facilities built before 1978. Who Should Read this Handbook? Anyone who owns or manages housing or child-occupied facilities built before 1978. Contractors who perform activities that disturb painted surfaces in homes and child-occupied facilities built before 1978 (including certain repairs and […]

Additional Insured Endorsement Considerations for General Contractors 

As a licensed general contractor and insurance broker, I’m often asked by trade and general contractors for guidance with their risk management. Usually, they’ll ask me how I managed risks with my own construction company through the years. We constructed a new building for our company 3 years ago, for which I was the general […]

Cleaning & Restoration Magazine August and September 2010

August 2010 – Risk Management: Purchasing Insurance, Safety & Probability, Smart Franchising. September 2010 – Expanding Your Market Share: Generating Sales Leads, Must-Have Insurance Coverage, Smart Selling, Using Consultants to Market. Click here to read the articles in R&R Magazine

Why Plumbers Need Liability Insurance: Plumbers Pollution Liability Exposures 

Today’s plumbing or HVAC professional is assuming risks that were previously covered by their general liability policies. Insurance carriers today routinely insert pollution, asbestos, lead, microbial matter (mold) and bacteria exclusions into their policies. These exclusions were being added over the last 10 years as insurance carriers were paying claims for the above exposures they […]

Why Contractors Need Environmental Insurance

No matter how careful you are, you can never eliminate all exposure to hazardous materials or waste on construction jobsites. Improving quality control, material handling procedures, conducting site surveys, and updating work policies can help prevent accidents and exposure and improve work site health and safety, but these steps alone may not be enough to […]