Tools & Small Equipment for spray foam contractors
A tools-and-equipment floater for the hand tools, gauges, cleaning equipment, and jobsite supplies that move from job to job — covering theft, loss, and damage for the gear that doesn't fit on your inland marine schedule.
What it covers
- Hand tools and portable power tools
- Gauges, meters, and testing equipment
- Cleaning supplies and chemical drums
- Ladders, scaffolding, and staging equipment
- Jobsite consumables and supplies above a per-item threshold
- Theft from a vehicle, jobsite, or storage
Who it's for
- Spray foam contractors with significant hand tool and small equipment inventory
- Operations whose inland marine schedule covers only the rig
- Contractors who've had tool theft claims from vehicles or jobsites
- Any operation where tools and small gear travel to every job
Why CCA
- Floater forms that cover tools wherever they go — not just at a fixed location
- Theft from vehicles specifically included — a common spray foam contractor loss
- Coordinated with inland marine so there's no gap between scheduled and unscheduled equipment
Common questions about tools & small equipment
Inland marine covers scheduled, high-value equipment — your proportioner, heated hose, and major rig components. A tools floater covers the smaller, unscheduled gear that goes to every job but doesn't individually meet the inland marine threshold.
It can be, but the form matters. We confirm the floater covers theft from a locked vehicle — a specific exclusion in some standard forms — since tool theft from contractor vehicles is a common claim.
If your inland marine only schedules the rig, yes. The tools floater covers everything below the scheduling threshold — and for spray foam contractors, that's a significant inventory of hand tools and small equipment.
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.