Commercial Auto for spray foam contractors

It covers liability when employees drive their own vehicles (or rented vehicles) on business errands — picking up materials, delivering paperwork, running to a supplier. If they have an accident, your operation is exposed without this coverage.

The auto policy covers the truck and trailer liability; the equipment in the trailer needs inland marine. We coordinate both so the truck and the rig are both covered during transport.

Cost is driven by crew size, revenue, rig value, types of jobs, and loss history. We quote your actual operation in about 15 minutes — never a ballpark from a generic contractor form.

Yes. Contractors Choice Agency is licensed in all 50 states and writes spray foam programs nationwide — Texas, Florida, the Midwest, Southeast, Northeast, and everywhere spray foam contractors operate.

Typically 15 minutes on a call. Larger or hard-to-place accounts may take a day or two, but we move fast and set expectations up front.

Often yes. We have specialty and E&S markets for contractors declined over chemical exposure, overspray claims, or prior loss runs. Bring us your situation and we'll find a market.

Usually yes. A coordinated program closes gaps between policies, simplifies certificates, and is typically more cost-effective than separate policies from separate carriers.

A.M. Best ratings reflect a carrier's financial strength and ability to pay claims. We place coverage with A-rated carriers so the coverage is there when an overspray, chemical-exposure, or equipment-theft claim hits.

Yes — typically same-day for standard requests. General contractor and project-owner requirements are routine for us.

Yes. If you run multiple crews, have a shop location, or work across multiple states, we build one coordinated program with no gaps between crews and locations.

Crew size and payroll, annual revenue, rig and equipment list with values, types of jobs (residential/commercial/industrial), states you work in, current coverage, and loss history. More detail means a more accurate quote.

Yes — policy review is a core part of our service. We look for exclusions, sublimits, class-code mismatches, and coverage gaps that could leave you exposed at claim time.

CPL covers chemical releases and respiratory-exposure claims — including isocyanate exposure from spray foam application. Because standard GL excludes pollution, CPL fills that gap for spray foam contractors.

Only if it's structured with a completed-operations component and adequate limits. Overspray and foam-failure claims often arrive months after the job — your GL needs to cover that tail.

Only under inland marine. Commercial auto covers the truck; inland marine (equipment floater) covers the rig and equipment on the trailer. Many contractors discover this gap only after a theft.

Yes. Agricultural, industrial, and cold-storage spray foam applications are specialties we understand — including the higher GL limits and CPL requirements those jobs often carry.