COVID-19 Resource Superstore

Welcome to the 

BIOHAZARD RISK MANAGEMENT SUPERSTORE

Find all the resources you need for virus decontamination work, from training to legal advice on contracts and insurance.

Corona Virus Risks are Insurable

EVERY CLEANING AND RESTORATION JOB SITE HAS A CORONAVIRUS RISK TODAY. GET TRAINED AND GET INSURED.

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.

RECOMMENDED STEPS TO BE ELIGIBLE FOR CPL WITHOUT VIRUS EXEMPTION

Industry-Specific Training

Second, get trained specifically in Coronavirus biohazard disinfection/remediation at the project supervisor level. See the below resources for training. Training is FREE through Wonder Makers. For detailed training on Coronavirus, Post Remediation Verification see Dr. Rosen’s free course.

Access to Training Resources

ARMR provides free training resources through Wonder Makers and Dr.

 Experience 

Third, prior work experience, certifications, licenses on biohazard/ remediation jobs, could be for mold or Category 3 water, crime scene cleanup, etc. 
Start-up firms that are newly licensed and/or certified are eligible today.

Appropriate Contracts

Fourth, appropriate contracts with hold harmless agreement for COVID claims. Options for insurance coverage that includes Proof of Disinfection to differentiate qualified biohazard/ remediation contractors from cleaning services.

COVID-19 Resource Superstore

The impact of the Coronavirus has been felt worldwide, and the amount of information available can be overwhelming. That’s why we offer a FREE library of current and reputable resources specifically for our hard-working cleaning and restoration contractors.

Free Resources to Help Manage COVID-19 Risks

As the world navigates the ongoing COVID-19 pandemic, the risk management tips for restorers and contractors are constantly evolving. Check out our webinars and videos on Managing the COVID-19 Risk in Cleaning and Disinfecting Services, and tips for conducting virus decontamination work in the field.

MORE HERE

RISK AND INSURANCE SOLUTIONS
RIA/IICRC COVID-19 Report

RIA & IICRC the two leading organizations representing restoration contractors have released The Covid-19 Pandemic: A Report for Professional Cleaning and Restoration Contractors.

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

FREE ADVANCED TRAINING IN POST REMEDIATION VERIFICATION (PRV)

Dr. Gary Rosen has produced a FREE advanced training course on Coronavirus PRV.

For those that wish to offer Proof of Disinfection to differentiate your firm of restoration/disinfection professionals from run-of-the-mill cleaning surfaces?

Not for beginners.download

THE RESTORATION
LAWYER 

Ed Cross, “The Restoration Lawyer” is the nationally-recognized authority on cleaning and restoration contracts and legal issues.

His Coronavirus Service Contract Package contains important indemnity and hold harmless provisions.

Available for purchase.

covid service contract package

Discover our Exclusive Webinars and Videos

The Ultimate Self-Help Guide for Insurance Agents

COVID-19 Coverage Solutions for Your Customers

Gain valuable insights and provide comprehensive coverage for virus cause losses with the resources and knowledge from ARMR, an award-winning environmental insurance wholesale broker.

Frequently Asked Questions

Learn more about insurance policies for virus decon work.

What red flags should I 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.

Why is it important to have specific coverage for biohazard work?

Coverage should specifically reference fungi/bacteria/virus or Microbial Matter or Microbial Substance as a covered “Pollutant”.

  • 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.  

How can restorers help bring back normalcy during the pandemic?

With trained personnel using industry standards and specific insurance coverage, restorers can play a big part in bringing back some normalcy during the pandemic. 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.  

We know the right policy for your business.