Built by people who know the trade, for spray foam contractors.
Spray Foam Insurance Company is the spray foam–focused division of Contractors Choice Agency — founded in 2005 by Josh Cotner, who knows exactly what happens when a standard GL policy meets an off-ratio claim.
- Licensed in all 50 states
- Founded 2005 — 20+ years
- Spray foam specialists
- 15-minute quote turnaround
- Same-day certificates
- A.M. Best A-rated carriers
From the jobsite to the agency.
Josh Cotner came from the trades. That background is why we understand what's at stake when a standard GL excludes off-ratio damage, a pollution exclusion blocks a chemical claim, or a certificate request comes in at 7am for an 8am job.
Contractors Choice Agency founded
Josh Cotner opens CCA in Chandler, AZ, after years working in the trades — built to insure contractors and trade businesses the right way.
Expanded to specialty contractor markets
After placing programs for dozens of specialty trade categories, CCA develops deep expertise in spray foam — the most insurance-misunderstood trade in construction.
Dedicated spray foam division
Spray Foam Insurance Company focuses CCA's expertise on spray foam applicators — where off-ratio coverage, pollution liability, and proper GL language are the real differentiators.
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Spray foam contractors insured nationwide
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Years insuring contractors
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Average quote turnaround
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States licensed & writing
Four things we won't compromise on.
Trade-first, always
Josh came from the trades before starting the agency. We speak the language of spray foam because we know what happens when coverage fails at claim time.
Coverage that closes the gaps
Off-ratio exclusions, pollution carve-outs, and completed-operations disputes — we address the risks standard markets miss.
A-rated markets only
We shop carriers with the financial strength and contractor experience to be there when a remediation claim or off-ratio dispute 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 business actually requires.
Ready to protect your spray foam business?
Get a 15-minute quote from specialists who understand spray foam — off-ratio coverage, contractor pollution liability, same-day certificates.