Kinro

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Business insurance for fire and water restoration contractors.

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What you’ll get

  • 1

    Coverage guidance

    We identify the coverage that commonly fits your work and state.

  • 2

    Available carrier options

    Compare price, limits, exclusions, and carrier fit with an independent agency.

  • 3

    An agent replies in ~2 min

    A licensed Kinro agent texts or emails to help with next steps.

What insurance can help protect

Contamination spread

Mold, soot, sewage, moisture, or another contaminant is alleged to have spread during work.

Customer property

Contents, finishes, structures, or electronics are damaged during extraction or cleanup.

Emergency response

A crew, vehicle, generator, dryer, or other equipment is involved in an after-hours incident.

Coverage to consider

General Liability

Can address third-party injury and property damage arising from restoration work.

Contractors Pollution Liability

May address covered mold, sewage, contaminants, and remediation allegations.

Workers Compensation

Addresses eligible employee injuries during emergency cleanup and reconstruction.

Tools and Equipment

Can protect scheduled dryers, extractors, meters, generators, and mobile equipment.

Ready to see your options?It’s almost too easy.

Answers in minutes, not days of phone tag — before and after you buy. Independent support from Kinro & our licensed agents who shop the market for you, every renewal.

  • 1

    Enter your ZIP

    We use it to check state rules and carrier availability.

  • 2

    Hear from Kinro

    A licensed agent texts or emails you within 2 minutes.

  • 3

    Review your options

    Compare relevant coverage, carrier options, and price.

restoration contractors questions?We have answers.

What insurance should fire and water restoration contractors consider?
General Liability is often a starting point, with Contractors Pollution Liability, Workers Compensation, Tools and Equipment considered based on services, property, employees, contracts, and state rules. Coverage and eligibility vary by carrier.
What risks should restoration contractors plan for?
contamination spread, customer property, emergency response are important insurance discussions for this operation. Mold, soot, sewage, moisture, or another contaminant is alleged to have spread during work. Contents, finishes, structures, or electronics are damaged during extraction or cleanup. A crew, vehicle, generator, dryer, or other equipment is involved in an after-hours incident. Whether a policy responds depends on its terms, conditions, and exclusions.
What details affect insurance options for restoration contractors?
Carriers commonly ask about the operation in detail. Do you perform water extraction, fire cleanup, mold remediation, reconstruction, or contents work? Do jobs involve asbestos, lead, biohazards, sewage, trauma scenes, or hazardous materials? What are your payroll, subcontracted costs, response radius, vehicles, and equipment values? The answers can affect eligibility, available limits, coverage terms, and price.
Can Kinro review insurance for restoration contractors?
Yes. Share the current policy, quote, contract, or certificate request. Kinro can help compare General Liability, Contractors Pollution Liability, Workers Compensation, Tools and Equipment, requested limits, important exclusions, and follow-up questions for the operation.
Is there any obligation to buy?
No. Starting a request does not require you to purchase a policy.

What insurance should fire and water restoration contractors consider?

fire and water restoration contractors commonly review General Liability, Contractors Pollution Liability, Workers Compensation, Tools and Equipment. The right combination depends on the work performed, customers, employees, property, equipment, contracts, and state requirements.

  • Do you perform water extraction, fire cleanup, mold remediation, reconstruction, or contents work?
  • Do jobs involve asbestos, lead, biohazards, sewage, trauma scenes, or hazardous materials?
  • What are your payroll, subcontracted costs, response radius, vehicles, and equipment values?

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