Coverage lines

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

Each policy below addresses a specific exposure in spray foam work — from the GL a standard contractor policy gets wrong to the off-ratio coverage your insurer is probably excluding.

Essential coverage

General Liability

Core protection for spray foam contractors — covers third-party bodily injury, property damage, and completed-operations claims. Required by most GCs and building owners. Built for the unique risk profile of spray polyurethane foam work.

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Off-Ratio Coverage

Off-ratio foam is the industry's most frequent and costly claim. When your A and B components mix incorrectly, the resulting foam can off-gas, fail structurally, and trigger expensive remediation. We write policies that cover it — most carriers exclude it.

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Contractor Pollution Liability

Spray foam chemicals — MDI, polyols, blowing agents — are regulated pollutants under most standard GL policies. CPL covers bodily injury from chemical exposure, property damage from off-gassing, and the cleanup costs that follow a chemical incident on a jobsite.

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Workers' Compensation

Spray foam work involves respiratory hazards, chemical exposures, and elevated work. We write workers' comp with the correct class codes for spray foam applicators — not a generic painting or insulation code — so your premiums are accurate and your crew is covered.

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Commercial Auto

Covers the vehicles you use to move your equipment and crew — spray rigs, cargo vans, pickup trucks, and trailers. Hired and non-owned auto for employees using personal vehicles on company jobs. Fleet and single-vehicle programs available.

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Tools & Equipment

Covers your spray foam equipment — proportioners, heated hoses, spray guns, generators, and support equipment — against theft, damage, and breakdown on and off the jobsite. Equipment-intensive businesses like spray foam need this coverage.

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Commercial Umbrella

A commercial umbrella policy sits above your GL and commercial auto to provide additional limits when a claim exceeds your primary policy. Essential for spray foam contractors working on large commercial or multi-family projects where GCs require higher limits.

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Contractor Bonds

License bonds, performance bonds, and payment bonds for spray foam contractors. Required for state licensing in most states and often required by property owners and general contractors. Fast approval, competitive rates.

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Not sure which lines you need?

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

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