one-stop-shop for contractors performing virus decon work.Training, legal advice on contracts, and insurance resources all in one place. 

Corona Virus Risks are Insurable

ARMR is one of the only brokers in the country that has access to multiple insurance companies providing an Affirmative Coverage Grant for Coronavirus while providing guidance on additional risk management measures related to Coronaviruses.

To be eligible for the insurance coverage a firm generally needs,



Training in biohazard cleaning at the project supervisor level. See the below resources for training.



Prior work experience on biohazard jobs, could be for mold or Category 3 water, crime scene cleanup, etc. 
Start-up firms are eligible today.



Appropriate contracts with hold harmless agreement for COVID claims

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Training, legal advice on contracts, and insurance resources


Working in cooperation, the two leading organizations representing restoration contractors have released; The Covid-19 Pandemic: A Report for professional cleaning and restoration contractors, third edition May 28th, 2020. This report is effectively a risk management protocol for virus decontamination work.  

The document provides useful advice to the property owners and restoration firms alike.


The Restoration Lawyer

Ed Cross, “The Restoration Lawyer,” is the nationally-recognized authority on cleaning and restoration contracts and legal issues. Take care of your Cleaning & Restoration projects with a variety of carefully-crafted contract forms all in one bundle. His Coronavirus Service Contract Package contains important indemnity and hold harmless provisions and explains how the contractor’s work is intended to mitigate the risk of transmission, but not completely eradicate the virus. These packages are available for immediate download

COVID Service Contract Package

free COVID-19 trAINING

Cleaning and restoration contractors are ideally suited to perform the specialized tasks that help ensure a safe reopening. Some of the most comprehensive information regarding proper steps to prepare buildings is provided in a document titled: The COVID-19 Pandemic: A Report for Professional Cleaning and Restoration Contractors.

As one of the four joint task force members coordinating the information in these RIA/IICRC documents, Michael Pinto, Wonder Makers’ CEO, is focused on providing the best information possible throughout the pandemic to industry colleagues. In addition to keeping our contacts in the restoration industry up-to-date on the latest joint industry publication, he is guiding the entire Wonder Makers team in the revision of our free training program that explains the concepts laid out in this collaborative information source.

VIEW training HERE Certificate resources



Coronavirus risks can be insurable! 

#1 Review the RIA/IICRC COIVD – 19 Report

#2. Updated training of the staff on the COVID 19 report. This 90 min web course from Wonder Markets is free and should be taken by all field personnel, regardless of insurance needs Wondermakers will provide the contractor with the master list of certified attendees and that will become part of the insurance application process.

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Risk Management Tips For Restorers Going out on the Field to Conduct Virus Decontamination Work

Managing the COVID-19 Risk in Cleaning and Disinfecting Services WEBINAR: Watch the recorded Webinar HERE

Protect the workers

Job #1, protect the workers. If your employees have not been trained on personal protection equipment, if your firm does not have the equipment and experience working with bio-hazards, this is not the place for on the job training.

Follow the Guidance

Get Your Insurance in Order

At a minimum, contractors should review their general liability, contractor’s pollution liability, professional liability, and workers’ compensation policies with an insurance agent or broker with specialized knowledge or access to specialized knowledge in restoration contracting and biohazards.  There is no training available for insurance agents on the specialized needs of restoration contractors. Which explains why more than 90% of restores are inadequately insured today, not just on biohazard work.

Most Liability Insurance Policies Sold to Restorers Do Not Work Very Well, If At All, for Virus Decon Work


Here are the RED FLAG things to look for in insurance policies:

  • If there is a virus, microbial matter, or communicable disease exclusion on one of the policies, do not perform virus decon or cat 3 water work. Do not work in health care settings to do anything. Policies without those exclusions are available.
  • If your rating pages for the premium charged show you classified as  “janitorial”,  be concerned that a janitor doing virus decon work in personal protective gear could be considered a material change in the risk that the underwriter agreed to insure at the beginning of the policy term.  To avoid claims problems over an undisclosed “material change in the risk”, all you have to do is make sure all your insurance underwriters know that you are performing virus decon jobs.  Some underwriters who have been kidding themselves (and their bosses) that restoration contractors are just glorified janitors will be confronted with the reality that restorers need to deal with Category 3 water and other biological contaminants all the time. If an underwriter decides to cut and run from biohazard work to protect their job security, it is better to know that the insurance company wants nothing to do with biohazard work before a claims adjuster is denying you coverage for a claim over an “undisclosed material change in the risk”.  Insurance companies do that, it is kind of the ultimate exclusion. Here is nothing inherently wrong with being classified as a janitor as long as the underwriter has been fully informed in the insurance application that you do for a living.

Here are the FEATURES of the  insurance coverage you need for biohazard work:

  • The CPL and Professional liability coverage should specifically reference fungi/bacteria/virus or Microbial Matter or Microbial Substance as a covered “Pollutant”.
  • There should be a reference to how the cleanup cost coverage under the policy is triggered that is not dependent upon environmental laws, because there are no environmental laws for biohazards including viruses.
  • Ideally, the coverage in the insurance policy is in lockstep to the industry standards you use to do your work.  

With trained personnel following the new guidance in the RIA/IICRC Documents and insurance coverage specifically adopted to biohazard work, restorers will play a big part in bringing us all back to some normalcy.  

God bless the restorers!


We are here to offer advice and help. Thank you for the opportunity to be of service.

For customized insurance, solutions Call or have insurance agents call ARMR.

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For Your Insurance Agent

The below information may help you answer customer inquiries on coverage for virus cause losses.