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Bancorp Insurance

Comprehensive Insurance Programs for Business, Auto, Home, Life and Health

Fire & Water · Mold & Smoke · Environmental Restoration

Restoration Contractor Insurance

All of your restoration contractor coverage under one roof — GL, Professional Liability, Pollution, Auto, Property, and Equipment on one policy.

✓ 35+ Years Experience
✓ 100+ Carriers
✓ All 50 States
✓ Restoration Specialists

Why Restoration Contractors Need Specialized Coverage

Restoration work carries risks that standard contractor policies simply aren't built for. One uncovered claim can wipe out years of profit.

Pollution & Contamination Gaps

Standard general liability policies exclude pollution claims. If your work involves mold, asbestos, smoke residue, chemicals, or any contaminating substance, you need dedicated Contractor Pollution Liability to fill those gaps — or you're personally exposed to third-party claims.

Professional Liability Exposure

Restoration contractors can be sued for errors in scope, bad advice, or mistakes made by third-party vendors like engineers or architects you hired. Professional liability coverage protects you from those claims — coverage that standard GL policies never include.

Complex Equipment & Fleet Risk

Restoration contractors operate trucks, vans, and mobile equipment like extractors, dehumidifiers, and specialty tools across multiple job sites. Coverage gaps between your auto and GL policies can leave expensive equipment — and your crew — unprotected.

Everything Under One Roof — One Policy, One Company

Bancorp Insurance offers a customizable all-in-one program built specifically for fire and water restoration contractors.

All-In-One Policy Includes:

✓General Liability — Bodily injury and property damage caused by your operations

✓Professional Liability — Construction errors, bad advice, and third-party vendor mistakes

✓Contractor Pollution Liability — Mold, smoke, chemicals, and contamination claims

✓Commercial Auto Liability — Trucks, vans, and sedans in your fleet

✓Commercial Property — Buildings and business contents at your operating location

✓Mobile Equipment Coverage — Extractors, dehumidifiers, cranes, forklifts, and specialty tools

✓Employment Practices Liability — Wrongful termination, discrimination, and harassment claims

A Program Built for Restoration

Bancorp Insurance partners with a national leader in environmental and restoration coverage to offer a one-of-a-kind program. You already deal with insurance companies every day to get paid — make sure your own coverage is just as airtight.

●All coverages on one policy with one company

●No gaps between GL, auto, and equipment coverage

●Designed for fire, water, mold & smoke restoration

●35+ years insuring contractors across the West Coast

●120+ combined years of agent experience

Get Your Custom Quote

Types of Restoration Work We Cover

Whether you specialize in one trade or handle full-service restoration, we have the right program for your operation.

Fire & Smoke Restoration
Structural fire damage, smoke remediation, soot removal, and odor treatment in residential and commercial properties.
Water & Flood Restoration
Water extraction, structural drying, moisture mapping, and reconstruction after flooding, pipe bursts, or sewage backup.
Mold Remediation
Mold inspection, containment, removal, and post-remediation verification in residential, commercial, and industrial settings.
Asbestos & Lead Abatement
Licensed abatement of asbestos-containing materials and lead paint during renovation, demolition, or remediation projects.
Biohazard & Crime Scene Cleanup
Trauma scene cleanup, biohazard decontamination, and hoarding remediation requiring specialized handling and disposal.
Storm & Wind Damage Repair
Emergency board-up, tarping, debris removal, and structural repair following storm, wind, or hail events.
Contents Restoration
Pack-out, cleaning, deodorizing, and storage of personal property and business contents during structural restoration.
Full-Service Reconstruction
Complete rebuild and reconstruction following major loss events, coordinating trades from demo through final finish.

Bundle & Save on Related Coverages

Round out your protection by combining your restoration contractor program with these essential policies.

Workers' Compensation

Restoration job sites are high-risk environments. Oregon and most states require workers' comp for any employer with staff. Protect your crew from day one.

Learn More →

Contractor Insurance

Need broader contractor coverage beyond restoration? Our standard contractor program covers tools, equipment, installation, EPLI, and more.

Learn More →

Business Auto Insurance

Additional commercial auto coverage for trucks, vans, and trailers used to transport equipment and crew to and from restoration job sites.

Learn More →

Frequently Asked Questions

Common questions from fire and water restoration contractors about their insurance needs.

Why do I need pollution liability as a restoration contractor?+
Standard general liability policies contain pollution exclusions that can leave restoration contractors completely exposed. If your work involves mold, smoke residue, sewage, asbestos, or any chemical contaminant and a third-party claim arises, your GL policy may deny coverage entirely. Contractor Pollution Liability fills that gap and is considered essential for any restoration operation.
What does professional liability cover for a restoration contractor?+
Professional liability, also called errors and omissions (E&O), covers claims arising from construction errors, faulty scope of work, or bad advice you give to a client. It also covers errors made by third-party vendors you hire — such as engineers, architects, or industrial hygienists. Even if you did nothing wrong, a claim can be filed and professional liability pays for your defense.
What is the difference between mobile equipment and commercial auto coverage?+
Commercial auto covers vehicles designed for road use — trucks, vans, and cars. Mobile equipment coverage applies to machinery not primarily designed for road travel, such as forklifts, cranes, excavators, and trailer-mounted specialty equipment. Many restoration contractors have both, and without the right structure there can be significant coverage gaps between the two policies. Bancorp ensures those gaps are closed.
What does Employment Practices Liability Insurance (EPLI) cover?+
EPLI covers claims made by employees against your business for wrongful employment practices including wrongful termination, discrimination, harassment, and retaliation. Restoration companies often have high employee turnover and work in stressful environments — both of which increase EPLI exposure. Standard general liability and workers' comp policies do not cover these claims.
Can I get all my restoration coverages on one policy?+
Yes. Bancorp Insurance's restoration contractor program is specifically designed to combine General Liability, Professional Liability, Pollution Liability, Commercial Auto, Property, and Mobile Equipment coverage on one policy with one company. This eliminates gaps between policies, simplifies renewals, and means you only have one call to make when something happens on a job site.
Do you cover restoration contractors in Oregon, Washington, and Idaho?+
Yes. Bancorp Insurance is licensed in all 50 states and has deep experience insuring restoration contractors across Oregon, Washington, Idaho, and the broader West Coast. We understand the state-specific licensing and workers' comp requirements you operate under and can structure your program accordingly.

What Our Clients Say

Restoration contractors across Oregon and the Pacific Northwest trust Bancorp Insurance to protect their business.