Workers' Compensation for spray foam contractors

Spray foam applicators are often coded under 5473 (insulation work) or occasionally under painting codes. The correct code matters for premium calculation, audit results, and claims handling. We assign codes to your actual workflow — chemical applicators, helpers, and supervisors each have different exposure profiles.

Yes — respiratory injuries from isocyanate, VOC, or blowing agent exposure are covered under workers' comp for the affected employee. On the third-party side (a building occupant or neighboring worker), that's a CPL claim. Workers' comp covers the employer's own crew only.

Misclassification leads to premium disputes at audit — either underpayment that results in a large audit bill, or overpayment that costs you money unnecessarily. We assign class codes to your actual workflow and document it so your audit produces no surprises.

1099 contractors who don't carry their own workers' comp can be deemed employees in many states, making you responsible for their comp claims. We help you understand which subs need to carry their own coverage and how to document it — protecting you from the audit exposure.

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.