Built by contractors, for spray foam operations.
Spray Foam Insurance Carrier is the specialty division of Contractors Choice Agency — founded in 2005 by Josh Cotner, who knows exactly what happens when an off-ratio exclusion or pollution claim denial shows up at claim time.
- Licensed in all 50 states
- Founded 2005 — 20+ years
- Spray foam specialists
- 15-minute quote turnaround
- 2-hour claims response
- A.M. Best A+ carrier partners
From the jobsite to the underwriting desk.
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 project triggers a completed-operations claim and the carrier cites an off-ratio exclusion.
Contractors Choice Agency founded
Josh Cotner opens CCA in Chandler, AZ, after years working in the trades — built to insure specialty contractors the right way.
Expanded to E&S specialty markets
After placing programs for dozens of specialty contractor categories, CCA develops dedicated spray foam programs with E&S and admitted carriers.
Dedicated spray foam division
Spray Foam Insurance Carrier focuses CCA's expertise on spray foam applicators — the off-ratio exposure, CPL, and completed-operations tail that standard markets exclude.
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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
Off-ratio exclusions, CPL gaps, and completed-operations limitations — we address the risks standard markets miss or exclude for spray foam contractors.
A-rated markets only
We shop carriers with the financial strength and specialty contractor experience to be there when an off-ratio claim, off-gassing complaint, or pollution loss 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 — GL, off-ratio endorsements, CPL, and the completed-operations tail your jobs demand.