PAUL DAVIS RESTORATION

The 2026 Paul Davis FDD (Item 8) requires: Commercial General Liability at $1,000,000 per occurrence / $2,000,000 aggregate including products and broad-form contractual liability; Contractors Pollution Liability at $1,000,000; Commercial Auto at $1,000,000 combined single limit with non-ownership liability; a $4,000,000 umbrella; Workers' Compensation notwithstanding state requirements; Employers Liability at $500,000; Bailee at $250,000; Cyber at $1,000,000 per occurrence / $2,000,000 aggregate; and general casualty/property at replacement value. Paul Davis Restoration, Inc. must be named additional insured. A Complex Loss clause lets PDRI require additional coverage or bonds on losses over $500,000.

Paul Davis Restoration, Inc. ("PDRI"), a Florida corporation at 7251 Salisbury Road, Suite 6, Jacksonville, FL 32256. The FDD requires PDRI and its designees to be named additional named insureds on every policy. The standard construction is: Paul Davis Restoration, Inc., its parents, subsidiaries, affiliates, successors, and assigns.

No. A standard general liability policy treats mold, sewage, and biological contamination as pollutants and excludes them. Paul Davis requires Contractors Pollution Liability at $1,000,000, which covers bodily injury, property damage, and cleanup from those pollutants — including after the job is finished. Confirm the CPL form affirmatively covers mold and includes incidental lead and asbestos.

That is a completed-operations claim, and it is the exposure reconstruction adds. The products and completed operations portion of your GL responds to a defect in finished work — but only if it is in force and not undercut by a subcontractor exclusion. Because reconstruction work is partly subcontracted, confirm the GL covers work performed by your trade subs and carries no subcontractor exclusion.

A bailee holds another person's property for a purpose. When your crew packs out a customer's contents so you can rebuild, you are a bailee with a legal duty to return the property undamaged. Standard general liability and standard commercial property both exclude property of others in your care. Paul Davis requires bailee coverage at $250,000. On a full reconstruction pack-out, size it to the largest combined inventory you could hold at once.

Large losses are where the Paul Davis program shows its reconstruction roots. The FDD's Complex Loss clause lets the franchisor require additional coverage or bonds on any loss over $500,000, and the $4,000,000 umbrella exists for the severity reconstruction carries. Commercial and institutional reconstruction work often requires certificates above the FDD floor, so build umbrella and bonding capacity with headroom.

Professional liability — errors and omissions (E&O) — covers a claim that you got a professional judgment wrong: a moisture assessment, a remediation scope decision, or a drying timeline. A standard general liability policy does not cover professional errors. Paul Davis does not require it, but the assessment-and-reconstruction model makes it a real exposure. Rikor's restoration benchmark is $1,000,000 with no mold exclusion.

Workers' compensation premium is based on actual payroll, trued up at a year-end audit. If you add crews for a large reconstruction or storm surge and that payroll was not in your estimate — or rebuild payroll was coded under a lower-rated restoration class — the carrier corrects it at audit and bills the difference. That is a premium reconciliation, not a claim denial. Reconstruction payroll spans several NCCI codes, so disclose it up front.

For a full reconstruction-capable Paul Davis program — GL, CPL, auto, WC, the $4M umbrella, bailee, cyber, and property — an established territory commonly runs $20,000 to $40,000 or more per year. Reconstruction scope and the $4M umbrella put Paul Davis above pure-mitigation brands. The FDD's Item 7 estimate of $20,500 to $63,500 is the most candid in the cluster for exactly that reason.