Coverage lines

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

Each policy below addresses a specific exposure in spray foam contracting — from the GL that covers overspray claims to the inland marine that insures your proportioner and rig.

Essential coverage

General Liability Insurance

General liability is the foundation of every spray foam contractor's insurance program. We place GL that covers overspray damage, third-party bodily injury, completed-operations claims, and the product liability exposure that follows every spray foam job.

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Workers' Compensation

Spray foam work is high-hazard — chemical exposure, respiratory risk, heights, and equipment injuries. We place workers' comp with class codes that fit spray foam labor so your crew is covered and your premium reflects your actual operation.

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Inland Marine & Equipment

Your rig is your business. Inland marine coverage insures the proportioner, reactor, heated hose, spray guns, and the trailer or truck they ride in — against theft, vandalism, damage in transit, and breakdown on the jobsite.

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Commercial Auto

The truck or van hauling your spray foam rig to the job is a commercial vehicle — and it needs commercial auto, not personal auto. We insure the fleet that keeps your operation moving, including hired and non-owned auto for employees.

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Contractors Pollution Liability

Spray foam contains isocyanates — regulated chemicals that can trigger pollution exclusions in standard GL. Contractors pollution liability (CPL) covers the chemical-release and respiratory-exposure claims that fall outside standard policies.

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Commercial Umbrella

A single overspray or chemical-exposure claim can exceed primary GL limits. A commercial umbrella drops down over your GL, auto, and employers' liability to extend your coverage where a large claim might otherwise exceed policy limits.

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Tools & Small Equipment

Inland marine covers the rig; a tools-and-equipment floater covers the smaller gear — hand tools, gauges, cleaning equipment, and jobsite supplies that move from job to job and don't fit on a scheduled equipment form.

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Policy Review & Advocacy

As your dedicated agent, we review your current policies annually — finding exclusions, sublimits, and gaps before a claim does. Policy review is a core part of our service, not an upsell.

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Not sure which lines you need?

Most spray foam contractors bundle GL + WC + inland marine + CPL into one coordinated program. We'll build the right mix in one call.

Get a free quote844-967-5247