Off-Ratio Coverage for spray foam contractors

Off-ratio occurs when the A component (MDI isocyanate) and B component (polyol resin) mix at the wrong ratio — typically due to equipment malfunction, temperature issues, or operator error. The resulting foam may not cure properly, off-gas volatile organic compounds, fail structurally, or not adhere correctly.

Off-ratio remediation is expensive. Removing off-ratio foam from a structure often requires full encapsulation or demolition, disposal of contaminated materials, and environmental testing — costs that can run from tens of thousands to hundreds of thousands of dollars in a large commercial building.

Not exactly. Off-ratio coverage specifically addresses the mixing and application process. Product liability covers defects in the material itself. Spray foam contractors need both — and we structure policies that address both exposures.

With proper completed-operations language, yes. We verify the policy includes completed-operations coverage and that off-ratio claims are not excluded from that coverage — so a claim discovered 18 months after the project is still covered.

Cost depends on crew size, revenue, work types, equipment value, and loss history. We quote your actual business in about 15 minutes — never a generic estimate from a form not built for spray foam.

Yes. Spray Foam Insurance Company is licensed in all 50 states and writes programs for spray foam contractors nationwide.

Typically 15 minutes on a call. Larger programs or accounts with prior losses may take a day, but we set clear expectations and move fast.

Often yes. We have specialty and surplus-lines markets for contractors declined over remediation claims, off-ratio losses, or chemical exposure incidents.

Usually yes. A coordinated program closes gaps between policies, reduces total cost, and makes certificate management and claims much simpler.

A.M. Best ratings reflect a carrier's financial strength. We place spray foam coverage with A-rated carriers so the policy is there when a remediation claim or off-ratio dispute arrives.

Off-ratio coverage protects against claims from improperly mixed spray foam — the most common costly claim in the industry. Standard GL excludes it; we build policies that include it.

CPL covers bodily injury and property damage from spray foam chemicals — MDI, polyols, blowing agents — which are classified pollutants excluded by standard GL. CPL fills that gap.

Crew size, annual revenue, types of work (residential/commercial/industrial), equipment value, coverage lines needed, current insurer, and loss history. The more detail, the more accurate the quote.

Yes. We issue same-day certificates with correct additional insured language. When a GC needs a certificate in an hour, we deliver.

In most states, yes — once you have employees, workers' comp is legally required. Spray foam work involves chemical exposure and elevated work, making proper WC essential.

Spray foam applicators need the correct insulation-installer codes — not painting or generic construction codes. Wrong codes mean wrong premiums and potential audit surprises.

Yes. If you run multiple crews or work across state lines, we build one coordinated program with no gaps between jobsites or crew locations.

Yes. Proportioners, heated hoses, spray guns, and support equipment are covered against theft, damage, and breakdown on and off the jobsite.