INSURANCE REQUIREMENTS
ProfileGorilla will work with your insurance agent/broker directly. After you submit your initial application to CORE Group, please email the ProfileGorilla team at coregroup@profilegorilla.com to get started. If you are already signed up for ProfileGorilla PreQual+, you can simply fill out this initial application and contact the ProfileGorilla team to share your credentials that satisfy all of our program requirements.
PREFERRED VENDOR
You may use any vendor or agency you wish, as long as it includes the requirements found below. If you have insurance needs, we highly encourage you reach out to our preferred vendor below, as they can work with your existing broker, and specialize in insurance solutions for property restoration contractors & service providers.
USI/Severson Ridge Program
Tim Schaeffer, CRIS, Senior Vice President
610-737-2290
timothy.schaeffer@usi.com
usi.com
National E&S Insurance Brokers/Driscoll & Driscoll Insurance Agency
Ross Driscoll Jr., Vice President
661-266-4444 ext. 4076
jr@nationaleands.com
nationaleands.com
INSURANCE DOCUMENTS
CORE Group Restorations, Inc. must be listed as an additional insured on the policies found in the requirements below.
CORE Group Restorations, Inc.
720 Brazos Street, Suite 1200
Austin, TX 78701
ROOFING SERVICE PROVIDER REQUIREMENTS
General Liability: $1,000,000 limit Each Occurrence / $2,000,000 Aggregate
Occurrence policy – ISO CG0001 most recently approved version or equivalent
Ensure Coverage includes:
-Primary & Non-Contributory Coverage
-Premises & Operations Liability
-Ongoing and Completed Operations Coverage for Additional Insured
-Products and Completed Operations Liability
-Contractual Liability with no employee exclusion
No exclusions/restrictions are allowed for:
-Claims from additions or remodeling projects
-Residential or habitation
-Coverage for work performed by subcontractors
Auto Liability: $1,000,000 Combined Single Limit of liability per occurrence
-Must include coverage by endorsement for all vehicles owned, leased, rented, hired, or borrowed.
-If you do NOT own any Company Vehicles “HIRED AUTOS” and “NON-OWNED AUTOS” is still Required and can also be obtained as an Endorsement on your General Liability Policy or Unlimited Non-Owned Car Coverage (UNOC).
Workers Compensation & Employers Liability: Employer’s Liability limits of $500,000
-Workers’ Compensation is required per State statutory minimum limits.
-If you do NOT carry Workers Comp and are NOT Required to carry it by State Statutes, a Workers Comp Attestation will be provided that must be signed and returned. In some States, your official State Workers Comp Exemption Certificate may also be required.
PROPERTY RESTORATION SERVICE PROVIDER REQUIREMENTS FOR GC / MITIGATION / BIOHAZARD / REMEDIATION
General Liability: $1,000,000 limit Each Occurrence / $2,000,000 Aggregate
Occurrence policy – ISO CG0001 most recently approved version or equivalent
Ensure Coverage includes:
-Primary & Non-Contributory Coverage
-Premises & Operations Liability
-Ongoing and Completed Operations Coverage for Additional Insured
-Products and Completed Operations Liability
-Contractual Liability with no employee exclusion
No exclusions/restrictions are allowed for:
-Claims from additions or remodeling projects
-Residential or habitation
-Coverage for work performed by subcontractors
Auto Liability: $1,000,000 Combined Single Limit of liability per occurrence
-Must include coverage by endorsement for all vehicles owned, leased, rented, hired, or borrowed.
-If you do NOT own any Company Vehicles “HIRED AUTOS” and “NON-OWNED AUTOS” is still Required and can also be obtained as an Endorsement on your General Liability Policy or Unlimited Non-Owned Car Coverage (UNOC).
Umbrella/Excess Liability: $1,000,000 Each Occurrence / $1,000,000 Aggregate
Workers Compensation & Employers Liability: Employer’s Liability limits of $500,000
-Workers’ Compensation is required per State statutory minimum limits
-Stop Gap as required in Monopolistic states (ND, OH, WA, WY)
Contractor Pollution Liability (CPL), including mold: (Required for GC / Mitigation / Bio-Hazard / Remediation Contractors)
-$1,000,000 limit Each Occurrence / $2,000,000 Aggregate
-Ongoing and Completed Operations Coverage for Additional Insured
-No exclusions/restrictions are allowed for asbestos, lead, mold, bacteria, silica or contaminated drywall
Professional Liability: (Required for Consultants / Engineers / Testing Services / Inspections) $1,000,000 Each Occurrence / $1,000,000 Aggregate