Tools & Equipment Coverage for spray foam contractors
Tools and equipment coverage for spray foam contractors — insuring proportioners, spray guns, heated hoses, generators, and chemical transfer equipment against theft, damage, and breakdown on the jobsite or in transit.
What it covers
- Proportioning machines stolen from vehicles or jobsites
- Spray guns, hoses, and heated hose sets damaged or stolen
- Generators and power equipment used in spray foam operations
- Chemical transfer pumps and ancillary spray equipment
- Equipment damaged during transport or setup
- Rented equipment temporarily in your care, custody, or control
Who it's for
- Any spray foam contractor with equipment worth insuring (essentially all of them)
- Contractors working on jobsites where theft is a real risk
- Operations that transport expensive proportioners between jobsites
- Contractors who rent equipment and bear responsibility for it
Why CCA
- Blanket tools and equipment policies that cover all your spray gear without scheduling every item
- Agreed-value options for high-value proportioners so depreciation doesn't reduce the claim
- Coordinates with commercial auto so there's no gap between vehicle and equipment coverage
Common questions about tools & equipment coverage
A mid-range proportioner for closed-cell foam can run $60,000–$120,000 new. Heated hose sets are another $10,000–$25,000. A full spray foam rig represents $80,000–$150,000 or more in specialized equipment — well worth insuring on its own terms.
No — commercial auto covers the vehicle itself. The proportioner, spray guns, and hoses in or on the truck need inland marine or tools and equipment coverage. This is one of the most common coverage gaps for spray foam contractors.
Yes — tools and equipment coverage typically covers damage caused by jobsite conditions: a hose run over by a vehicle, equipment knocked off scaffolding, or weather damage to gear left on-site. Blanket forms cover the equipment wherever it is.
Tools and equipment coverage typically covers theft from a locked vehicle. Auto policies generally don't cover tools and equipment in the vehicle. We make sure the form we place explicitly covers theft from a locked vehicle, which is the most common way spray foam equipment is stolen.
Yes — a care, custody, and control (CC&C) endorsement or rented equipment provision covers temporary equipment in your possession. This is important for spray foam contractors who rent backup proportioners when their primary machine is in for service.
Cost is driven by annual revenue, crew size, job type (residential, commercial, roofing), states where you operate, equipment values, and loss history. We quote your actual operation in about 15 minutes — never a ballpark from a generic contractor form.
Yes. Contractors Choice Agency is licensed in all 50 states and writes spray foam programs nationwide — Texas, Florida, the Northeast, Midwest, California, Mountain States, and everywhere spray foam contractors operate.
Typically 15 minutes on a call. Larger or higher-risk programs may take a day or two to place with the right markets, but we move fast and set expectations up front.
Often yes. We have admitted and E&S markets for spray foam contractors declined over CPL history, prior claims, or other issues. Bring us your situation and we'll find a market.
Usually yes. A coordinated program — especially one that aligns GL and CPL — closes the gaps where most spray foam claims fall and is typically cheaper than separate policies from separate carriers.
A.M. Best ratings reflect a carrier's financial strength. We place coverage with A-rated carriers so the coverage is there when an off-ratio event, a pollution claim, or a property-damage lawsuit hits.
Yes. Residential foam contractors carry completed-operations and off-ratio exposure; commercial contractors add higher limits requirements, GC bonding, and larger pollution exposure. We tailor the program to your actual work mix.
Completed-operations covers claims that arise after the job is done — foam that off-gasses, expands incorrectly, or causes property damage. These claims need to be explicitly included in the GL policy; many generic contractor forms sub-limit or exclude spray foam completed-ops.
Annual revenue, crew size, job types (residential, commercial, roofing foam), equipment list and values, states where you work, current coverage, and loss history. The more detail, the more accurate and competitive the quote.
It depends on the structure. If you 1099 subs, you need to verify they carry their own GL and workers' comp — or add them as additional insureds. We help you structure a program that doesn't create gaps when subs are on your jobsites.
Yes, though some markets are more restrictive for startups. Having proper PPE, documented safety protocols, and trained applicators makes placement easier and pricing more competitive. We'll help you document what underwriters want to see.
Tools and equipment coverage pays for the stolen equipment. Standard commercial auto covers the vehicle, but the spray gun, hoses, and proportioner on it need dedicated inland marine or tools coverage to be insured against theft or damage on a jobsite.
Yes. If you operate multiple spray rigs and crews, we build one coordinated program covering all vehicles, equipment, and workers with no gaps — including fleet auto and a blanket tools policy.
We help you understand what underwriters require in terms of applicator certification (SPFA training, BPI, etc.) and can structure your program to reflect your crew's credentials, which can improve both placement and pricing.
Pair it with related coverage
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.