Inland Marine & Equipment for spray foam contractors
Inland marine coverage for the proportioner, reactor, heated hose, spray guns, drum heaters, and the trailer they ride in — insured at replacement cost against theft, vandalism, transit damage, and jobsite breakdown.
What it covers
- Proportioner and reactor unit — replacement cost
- Heated hose and spray guns
- Drum heaters and auxiliary equipment
- Trailer and transport equipment
- Theft off the jobsite or in transit
- Vandalism and accidental damage
Who it's for
- Any spray foam contractor with a rig (essentially all of them)
- Operations whose equipment value exceeds what a BOP or GL schedule would cover
- Contractors who've had rig theft or equipment damage claims
- Spray foam operations with multiple rigs or high-value equipment
Why CCA
- Equipment scheduled at replacement cost — not ACV
- Transit and jobsite theft both covered — not one or the other
- Fast claim handling so a stolen or damaged rig doesn't halt operations for weeks
Common questions about inland marine & equipment
The auto policy covers the truck — not the equipment in the trailer. The proportioner, heated hose, and spray guns need inland marine coverage. Many contractors discover this gap only when a rig is stolen off a jobsite or trailer.
ACV pays today's depreciated value. A 5-year-old proportioner at ACV might pay a fraction of what a new one costs. Replacement cost pays what it actually costs to replace the rig so you can get back to work.
Yes — under a properly structured inland marine policy with theft coverage. We confirm the form covers theft of equipment off the trailer, from a jobsite, and in transit — not just theft of the entire vehicle.
Transit and theft coverage is standard; mechanical breakdown is an optional endorsement. For contractors who can't afford equipment downtime, a breakdown endorsement closes that gap.
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.