How to get free insurance from the vendors that work for you as well as tips on how to avoid becoming an insurance company of last resort.

In response to an explosion of “toxic mold” claims in 2000-2001, the insurance industry acted in unprecedented unison to universally get rid of all claims related in any way to mold. They didn’t stop at just excluding claims from mold; they threw bacteria into the exclusion as well.

With a good subcontractor agreement that has solid insurance requirements, many of the most expensive losses in the restoration business can be offloaded on a primary basis onto the subcontractor’s liability insurance policies.

A much over-looked resource for contents cleaning jobs is sub-work for another contractor. In some cases the other contractor you want to do work for may also do contents cleaning work within their own company. But maybe they are too busy to take a particular job and yet they don’t want to say no to an adjuster with whom they have a good relationship.