Restoration Contractors

PHLY E&S offers a comprehensive program that addresses the unique coverage requirements for companies that provide restoration contractor services.

Benefits of the Program

PHLY's program offers coverages for: General Liability, Property, Bailees, Automobile, Crime & Fidelity, Pollution, and Professional.

  • All lines of business written with one carrier, including Auto and Contractor's Pollution and Professional
  • Blanket additional insured status for on-going and completed operations
  • Risk Management Services available specifically designed for restoration contractors
  • Up-to-date Coverage compliant with most major third-party administrators, direct-repair networks and franchise organizations
  • Auto Liability includes uninsured/ underinsured motorist, personal injury protection where required by law
  • Auto Physical Damage includes comprehensive and collision
  • Property includes building, contents, business income, crime, boiler, inland marine and special causes of loss coverage
  • Crime & Fidelity includes employee dishonesty, money and securities, money orders and counterfeit paper currency
  • Crisis Management Enhancement endorsement

Coverage & Capacity

Primary Coverages (CGL/ PL/ CEC): $1M per occurrence/ $3M aggregate
Auto Liability: $1M per occurrence
Excess Follow Form: Up to $10M
Combined Primary and Excess: Up to $11M in total aggregate

Underwriting Contact

Michael Henk, AVP & Product Manager

Michael.Henk@phly.com

For new business inquiries, please call 855.585.6322 or submit an application to: ESsubmissions@phly.com.

Documents Required for Proposal

  • Completed and signed/ dated PHLY Restoration Contractors Supplemental Application
  • Completed ACORD Application(s)
  • Currently valued insurance company loss runs for the current policy period plus 3 prior years
  • Brochures, advertising materials, and website information

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