Coverage lines

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

Each policy below addresses a specific exposure in spray foam contracting — from the off-ratio exclusion a standard GL policy carries to the CPL coverage your completed-operations tail demands.

Essential coverage

General Liability for Spray Foam

Carrier-placed general liability designed for spray foam contractors — covering completed operations, property damage from overspray, off-gassing claims, and the subcontractor exposures standard markets won't write.

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Off-Ratio Coverage

Specialized endorsements and standalone policies for off-ratio spray foam applications — the #1 exclusion that leaves contractors exposed when an improper mix causes adhesion failure, odor, or structural damage.

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Contractor Pollution Liability

CPL coverage for spray foam chemical exposures — isocyanate and polyol off-gassing, chemical spill cleanup, and third-party bodily injury or property damage from foam vapors and chemical releases.

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Workers' Compensation

Workers' comp written for the real injury patterns of spray foam work — chemical exposure, respiratory claims, equipment injuries, and fall hazards. Proper class codes. Competitive A-rated markets.

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Commercial Auto & Spray Rigs

Commercial auto coverage for spray foam contractor vehicles — service trucks, spray rigs, equipment trailers, and hired/non-owned auto. Built for contractors running equipment on job sites and public roads.

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Tools & Equipment

Coverage for spray foam proportioners, spray guns, heated hoses, transfer pumps, generators, and other contractor equipment — at job sites, in transit, and in storage. Replacement cost available.

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Commercial Umbrella

Commercial umbrella coverage providing excess limits above your general liability, CPL, and auto — giving spray foam contractors the higher limits required by GCs and building owners on commercial projects.

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Contractor Bonds

License and permit bonds, performance bonds, and payment bonds for spray foam contractors — required for state licensing, commercial contracts, and public works projects. Fast placement, A-rated surety markets.

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Not sure which lines you need?

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

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