COVID-19 has put the cleaning, restoration, and insurance businesses on a wild ride. As you’ve heard me say time and time again, the vast majority of restorers are not adequately insured today for biohazards in general; coronavirus just made things worse. Special insurance is needed to address the risks associated with the coronavirus. Below I will lay out a strategy to get your firm insured for the coronavirus risk.

The past few months have been like living the Wild West for contractors; awaiting the arrival of some authority to ride into town and provide direction. As many restorers were laying off entire staffs due to the government driven shut-downs, other restorers were advertising that they could “vaporize viruses”, while insurance companies accelerated the pace in issuing biohazard exclusions anywhere they could.