Thread: Radon Mitigation Insurance

I am starting a radon mitigation company and I am looking for liability insurance. My local insurane co. will not insure for radon. I live in IL, and need insurance so I can start. Any help would be great. Thanks, Brett

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Are you currently a home inspector? My E&O insurance covers inspections, WDI and radon as well as covering me with GL.

Jon, is that for mitigation. I would think you would need something more since it is not just testing.

Sorry, I guess that I did not thoroughly read the post. No that is for testing NOT mitigation.

Originally Posted by Brett Temperly

I am starting a radon mitigation company and I am looking for liability insurance. My local insurane co. will not insure for radon. I live in IL, and need insurance so I can start. Any help would be great. Thanks, Brett

If you are looking for GL insurance, I would think that you would need the same coverage that would be used by anyone doing work around a home. General contractor, plumbing contractor, remodeler, etc. What you will be doing I bet falls under light construction.

You will be coring concrete, light electrical, assembling PVC pipe, working in attics, crawls, basements, on roofs, etc.

Brett,
Radon mitigation insurance is difficult to obtain since many underwriters don't want to touch it. To obtain the best rates (I could find) you need to join AARST (aarst.org), be licensed by the state you will work in or have NRSB or NEHA-NRPP mitigation certification. Since you live in IL you have to have your IEMA license before they will insure you for work in IL.

From member bennies at AARST.org
"Qualifies state-licensed and NRPP-certified AARST members with increased
and specialized Insurance that includes General Liability, Professional Liability and Pollution Liability"

I also obtain my hired and non owned auto from them at a good rate from these Insurance brokers.

Regards,
Paul Ybarra

Most Home Inspector insurance policies exclude liability due to environmental work like radon or even professional liability. The largest association for radon is AARST and they have an endorsed program at Radon Insurance