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Restoration Contractor Insurance – Pollution/Environmental Liability

OREP offers a full suite of insurance products for Restoration Contractors, including pollution liability, environmental liability, and excess liability coverage.

Experience: 19+ Years Serving a Niche Professional Markets

Coverage: Tailored Specifically for Pest Control Operators.

Liability Support: Risk Management and Pre-Claims Assistance Included at No Charge.

Fast Service:  OREP is Fully Automated and Fully Staffed. Easy financing available.

Competitive Rates: Shop OREP and compare value!


19 Years
Over 100,000 Policies Issued

  • Coverage Highlights
  • Why OREP
  • Testimonials

Coverage Highlights

OREP's program is designed specifically for Restoraction Contractors and Contractors with Environmental Liability. Written on A.M. BEST A+ XV Paper.

Coverage Includes: General Liability, Pollution, Professional, Mold
With Options up to 10 million in Excess Limit, Auto, Workers Compensation

Policy Features and Extensions  

  • Follow Form Excess Policies available
  • Transportation Pollution Liability Coverage included
  • Blanket Non-Owned Disposal Site Coverage included
  • Blanket Waiver of Subrogation for additional insured(s) included
  • Blanket Ongoing Operations & Completed Operations
  • Coverage for additional insured(s) including primary & non-contributory wording
  • Exceptions "to your work" exclusion on the Pollution Liability Coverage form
  • No separate CPL exclusions for lead, asbestos, or silica
  • No exclusion on subcontractor work

Voluntary Property Damage  

  • $50,000 limit coverage options for voluntary property damage of others
  • $25,000 limit coverage options for lost keys, adjustment of the locks for new keys, and new locks if necessary
  • Time Element Site Pollution for Owned Sites • Additional Insured – Lessor of Leased Equipment
  • Bodily Injury amended for medical monitoring • Per Project Aggregate Capped at $5,000,000 limit
  • Bailee’s coverage options $100,000-$1,000,000 limit • Follow Form Excess Policies available


“Maria you guys are GREAT, so fast, so easy, so supportive…my first year I was with another outfit and my experience with you has been the exact opposite of what it was with them…Thank you so much.” William Bentley, Bentley Property Inspections 


Experience: OREP is a leading provider of insurance for niche professional markets, specializing in professional liability and general liability for over 19 years.

Broad Coverage/Competitive Rates: Coverage Includes General Liability, Pollution, Professional, Mold

Pre-Claims Assistance: OREP insureds enjoy Free Pre-Claims Assistance from Claims Professionals who want frivolous claims to go away as much as you do. 

Fast, Courteous Service: Easy financing. OREP is fully automated and fully staffed, with help if you need it. OREP’s Mission is “Business by the Golden Rule.”

Risk Management: OREP provides valuable risk management and loss control information.



“I switched my E&O insurance to OREP last month and saved $349 bucks.” —Dave M.
“With all that you offer, it was a no-brainer to sign up.” —Jim Nishimura
“I am so pleased with your service and thoroughness. Thank you very much for being so responsible with our money and our E&O insurance. Although I have never had a claim, my confidence level in this process has increased. It is no surprise that several appraisers recommended your company to me.” —Lore D.
“I continue to renew with your company because of the exceptional service you provide. Every time I call my questions and needs get taken care of.” —Mariah M.
“Thank you for the webinars. I am learning so much that is helping me improve in my appraisal practice and increase the quality of my reports and workfile, thus reducing my exposure to lawsuits. The webinars and education are a great complement to your insurance business. I was an OREP customer in the past and because of the benefits I will be back at renewal time. I don’t know why I ever switched. Thanks for what you do.” —Bruce K.
“I had an FHA complaint and lost. It costs me 9 months of FHA work. If I had the knowledge I do after listening to your webinar, I would have been MUCH better prepared and probably would have won. Thanks for your help!” —Michael B.
“Thank you for your speedy responses, I have the best insurance agent in the world. I wish all of the places I do business with had employees like you. Would you call AT&T and train them on how to take care of customers? If they could just do half the job you do I would be more thank satisfied. THANK YOU MARIA!!!" —J. Roser
“In my 13 years as an appraiser, I have never had a more simple, straight forward and painless experience renewing my errors and omissions insurance. I am just blown away by the way your company does business. What a relief, what a time saver, what a money saver. Thank you.” —M.L. Heckaman
“The main reason I stick with OREP and David Brauner is because you folks know what you are doing. The fact that your service is so good and prompt is just another plus for your company.” —Joe de Garay, de Garay Valuation, LLC

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