Insurance Program Highlights

Biohazard cleanup contractors are eligible for this specialty insurance program:

  • Demonstrated and qualified industry experience
  • Industry recognized training, designations, or certifications
  • Operate within EPA, OSHA, DOT, and CDC guidelines
  • Environmental records maintained according to local, state, and federal regulations
  • Majority of operations must entail biohazard cleanup

Ineligible operations include:

  • Demolition
  • Drug labs / Bomb making
  • Majority property repairs – no renovations
  • More than 25% subcontracted work
  • Water damage

Our specialty insurance program offers biohazard mitigation contractors the following:

  • General Liability on an Occurrence Basis available up to $1,000,000 occurrence / $3,000,000 aggregate
  • Professional Liability (Errors & Omissions) on an Occurrence Basis that provides Property Damage to personal property in the insured’s care, custody, and control and real property upon which you are performing operations (included to policy limits)
  • Pollution Liability at the jobsite (included to policy limits)
  • Pollution Liability for autos operated by the insured (included to policy limits)
  • Products/Completed Operations
  • Employment Practices Liability
  • Property
  • Crime
  • Inland Marine
    • Contractors Equipment including personal protective equipment (PPE)
    • Computers used for record keeping
    • Materials and supplies at the jobsite
    • Leased, loaned, or rented equipment
  • Auto
  • Umbrella
  • Bonds

Liability Coverage may include:

  • Limits up to $1 million per occurrence/$3 million aggregate
  • Professional Liability
  • Premises and Completed Operations
  • Employees as Additional Insureds
  • Employment Practices Liability (claims-made coverage)
  • Fire Legal Liability – $100,000 (higher limits available)
  • Medical Expenses – $5,000
  • Personal and Advertising Injury
  • Newly acquired organization – 90 days
  • Employee benefits (claims-made coverage)
  • Property Entrustment – $100,000 or $250,000 ($1,000 deductible)

Other Insurance Options and Coverage may include:

  • Umbrella – limits up to $10,000,000
  • Electronic media and business interruption coverage
  • Crime – Employee Dishonesty
  • Mobile Equipment
  • Equipment and Tool Floaters
  • Auto

Bonds:

  • License and permit bonds
  • Business service bonds
  • ERISA bonds

Property Coverage may include:

  • Building Coverage
  • Contents Coverage
  • Equipment Breakdown for electrical and mechanical systems malfunction

Note: All coverages may not be available in all states.