Workers' Compensation for spray foam contractors

Spray foam applicators should be coded under the correct spray-applied insulation or insulation-installer class codes. Using a painting or general construction code misclassifies the work and can lead to premium errors and coverage disputes at audit time.

Yes — occupational disease and chemical sensitization claims are covered under a properly structured spray foam workers' comp policy. MDI exposure leading to occupational asthma or sensitization is a recognized spray foam workers' comp exposure.

Misclassification leads to premium discrepancies at audit and potential coverage gaps for specific injury types. We assign correct class codes upfront so your premiums accurately reflect your payroll and your crew is properly covered.

Subcontractors without their own workers' comp coverage may be treated as employees under your policy during an audit. We help you structure the policy and documentation to handle sub relationships correctly.

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.