Commercial Umbrella for spray foam contractors
Excess limits above your GL, commercial auto, and employers' liability — because a single overspray, chemical-exposure, or completed-operations claim can exceed primary policy limits on a large spray foam job.
What it covers
- Excess limits over GL when a claim exceeds primary limits
- Excess over commercial auto liability
- Excess over employers' liability (Part Two of WC)
- Defense cost coverage beyond primary limits
- Coverage for large commercial and industrial jobsites with high limit requirements
Who it's for
- Spray foam contractors doing commercial or industrial work
- Operations with general contractor contracts requiring $2M+ per occurrence limits
- Contractors who want protection beyond standard primary limits
- Any operation where a single large claim could exceed GL limits
Why CCA
- Umbrella sized to contract limit requirements — not a generic $1M form
- Coordinated with underlying GL, auto, and WC so there are no gaps
- Specialty markets that understand spray foam exposure above primary limits
Common questions about commercial umbrella
A single large overspray claim, a completed-operations loss on a commercial building, or a multi-party chemical-exposure claim can easily exceed $1M in defense and settlement costs. Umbrella provides the additional limits when that happens.
The umbrella drops down when an underlying policy's limits are exhausted — it doesn't change what's covered, it extends the limits. It also provides excess over commercial auto and employers' liability.
Most carry $1M–$5M in umbrella above primary limits. Commercial and industrial contractors with large project values or high contract minimums often carry $5M+. We size the umbrella to your actual risk and contract requirements.
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.
Pair it with related coverage
Ready to work with a dedicated spray foam insurance agent?
Get a 15-minute quote from a specialist who understands spray foam — overspray exposure, isocyanate liability, rig and proportioner coverage, and WC for applicators.