Built by people who know the trades, for spray foam contractors.
Spray Foam Insurance Agency is the spray foam–focused division of Contractors Choice Agency — founded in 2005 by Josh Cotner, who knows exactly what happens when a GL exclusion or a missing CPL policy shows up in a claim denial for a spray foam contractor.
- Licensed in all 50 states
- Founded 2005 — 20+ years
- Spray foam specialist agents
- 15-minute quote turnaround
- 2-hour claims response
- A.M. Best A+ carrier partners
From the jobsite to the agency.
Josh Cotner ran equipment, read specs, and filed certificates before founding CCA in 2005. That background is why we understand what's at stake when a spray foam contractor's GL policy excludes the claim or a CPL is missing and a VOC exposure lands.
Contractors Choice Agency founded
Josh Cotner opens CCA in Chandler, AZ, after years working in the trades — built to insure contractors, specialty operators, and trades the right way.
Expanded to specialty contractor markets
After placing programs for dozens of specialty trades, CCA extends deep expertise to high-risk chemical applicators including spray foam, polyurea, and insulation contractors.
Dedicated spray foam division
Spray Foam Insurance Agency focuses CCA's expertise on spray polyurethane foam contractors — operations where off-ratio risk, CPL, and GL exclusions are the real exposures.
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Spray foam contractors insured nationwide
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Years insuring specialty contractors
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Average quote turnaround
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States licensed & writing
Four things we won't compromise on.
Contractor-first, always
Josh spent years in the trades before starting the agency. We speak the language of spray foam contracting because we know what happens when coverage fails at claim time.
Coverage that closes the gaps
GL exclusions for chemical application, missing CPL, no off-ratio coverage — we address the risks standard contractor markets miss entirely.
A-rated markets only
We shop carriers with the financial strength and contractor experience to be there when an off-ratio event, a pollution claim, or a completed-operations lawsuit hits.
Honest, no-pressure advice
If you don't need a line of coverage, we'll tell you. We earn trust by being straight about what your spray foam operation actually requires.
Ready to protect your spray foam operation?
Get a 15-minute quote from specialists who understand spray foam insulation — off-ratio risk, VOC and isocyanate exposure, equipment-intensive operations, and chemical-application liability.