Policy Review & Advocacy for spray foam contractors
Annual policy review and contractor advocacy — finding exclusions, sublimits, coverage gaps, and class-code mismatches before a claim does. This is core to being your dedicated agent, not a selling technique.
What it covers
- Annual review of all in-force policies for gaps and exclusions
- Class-code audit to prevent overpayment and undercoverage at audit
- Contract requirement review for additional insured and limit compliance
- Identification of sublimits that could limit claim payments
- Renewal strategy and carrier shopping before each renewal
- Claims advocacy when a covered loss is disputed
Who it's for
- Any spray foam contractor who hasn't had their policies reviewed in the last year
- Operations whose current agent doesn't proactively review coverage
- Contractors who've had a claim disputed or partially denied
- Spray foam operations that have grown or changed since their last policy was placed
Why CCA
- Policy review is a standing service — not a one-time add-on
- We know spray foam exclusions and can spot them in any policy form
- Claims advocacy is included — we're in your corner if a covered loss is disputed
Common questions about policy review & advocacy
Common findings: pollution exclusions in GL that carve out isocyanate exposure, ACV instead of replacement cost on the proportioner, no completed-operations tail on GL, missing hired-and-non-owned auto, and class codes that don't match actual crew roles.
At minimum, annually — before each renewal. Also when your operation changes: adding a crew, buying a new rig, taking on a new type of work, or working in a new state. Changes in your operation often create coverage gaps the original policy wasn't built for.
We document the gap, explain what it means in plain terms, and present options to fix it — through an endorsement to your current policy or by moving coverage to a carrier that addresses the exposure correctly. No pressure to change for its own sake.
Yes. If a covered loss is disputed or denied, we're in your corner — reviewing the denial, corresponding with the carrier, and escalating to the carrier's management if needed. That's what a dedicated agent does.
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.