Coverage lines

Insurance built line-by-line for spray foam contractors.

Each policy below addresses a specific exposure in spray foam insulation work — from the GL exclusions that catch foam contractors off guard to the contractor pollution liability your standard policy leaves out.

Essential coverage

General Liability for Spray Foam

Standard contractor GL policies exclude or severely limit spray foam operations. We place GL with spray foam endorsements that cover completed operations, property damage from foam expansion, and the chemical-application exposure that generic policies carve out.

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Off-Ratio Coverage

Off-ratio spray foam — when A-component and B-component are mixed incorrectly — causes property damage, structural issues, and chemical exposure claims that most GL policies explicitly exclude. We place coverage that addresses off-ratio events as a standalone insurable risk.

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Contractor Pollution Liability

Spray foam application releases volatile organic compounds, isocyanates, and blowing agents that expose contractors to third-party bodily injury and property claims. Contractor Pollution Liability (CPL) covers these chemical-exposure events that standard GL excludes under the pollution exclusion.

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Workers' Compensation

Spray foam work involves chemical inhalation risk, confined-space exposure, fall hazards, and heat from exothermic reactions. We class-code spray foam labor correctly and access markets that don't surcharge or exclude the trade.

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Commercial Auto & Spray Rigs

Spray foam contractors operate specialized vehicles — proportioning machines on trucks, heated hose rigs, and chemical-transport vehicles. We insure the vehicle, the equipment on it, and the liability when your rig is on the road or on a jobsite.

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Tools & Equipment Coverage

A spray foam contractor's equipment — proportioning machines, spray guns, heated hoses, transfer pumps, and generators — represents tens of thousands in capital. Tools and equipment coverage pays for theft, damage, and breakdown of the gear your jobs depend on.

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Commercial Umbrella

A single spray foam claim — a fire from foam off-gassing, major property damage, or a pollution release — can exceed standard policy limits. Commercial umbrella provides excess coverage above your GL, auto, and workers' comp for catastrophic events.

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Contractor License & Surety Bonds

Many states require spray foam contractors to carry a license bond. General contractors and property managers often require performance and payment bonds. We issue contractor bonds fast — often same-day — and coordinate them with your liability program.

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Not sure which lines you need?

Most spray foam contractors bundle GL + CPL + off-ratio + workers' comp + tools into one coordinated program. We'll build the right mix in one call.

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