Blog & insights

Spray foam contractor insurance, decoded

Plain-English guides on the coverage that matters for spray foam operations — GL, overspray exposure, isocyanate liability, rig coverage, WC, and CPL.

Why General Contractors Keep Rejecting Your Certificate of Insurance
Featured
Certificates & ComplianceAugust 24, 20264 min read

Why General Contractors Keep Rejecting Your Certificate of Insurance

A rejected certificate of insurance almost always comes down to one of a handful of recurring issues — not a random paperwork problem. Here's what GCs are actually checking for, and how to stop getting bounced back.

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Equipment & Inland Marine4 min read

Insuring the Rig: Inland Marine Coverage for Proportioners and Spray Equipment

Your proportioner, heated hose, and spray rig are the business — and a standard property policy usually doesn't cover them the way you'd assume. Here's what inland marine actually protects and why it's structured differently.

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Workers' Compensation4 min read

Workers' Comp Class Codes for Spray Foam Crews: Getting Them Right

Spray foam labor doesn't fit cleanly into a generic insulation or carpentry class code. Getting the classification wrong means overpaying, undercoverage, or both. Here's how to think through it.

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Pollution & Environmental4 min read

Isocyanate Exposure and the Pollution Exclusion Every Spray Foam Contractor Should Know

Spray foam is built from regulated chemicals, and standard general liability forms are built to exclude chemical exposure claims. Here's how contractors pollution liability closes that specific gap.

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General Liability4 min read

General Liability for Spray Foam Applicators: What's Actually Covered

A standard contractor GL policy assumes a normal build trade. Spray foam isn't normal — overspray, off-gassing, and completed-operations exposure all behave differently. Here's what a policy actually needs to address.

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