Workers' Compensation for spray foam contractors

Applicators typically fall under insulation installation codes; helpers, drivers, and office staff carry different codes. Correct classification matters — wrong codes mean overpayment or undercoverage and audit surprises.

Yes — isocyanate and respiratory-exposure injuries are workers' comp claims covered under a properly structured policy. We make sure chemical-exposure hazards are reflected in the underwriting, not excluded or undercoded.

Workers' comp premiums are adjusted at audit based on actual payroll. We help you track crew hours and payroll categories so an audit doesn't produce a surprise bill — and we structure your policy for how your operation actually runs.

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.