Coverage lines

Insurance built line-by-line for spray foam contractors.

Each policy below addresses a specific exposure in spray foam contracting — from the GL every GC requires to the off-ratio and pollution coverage most agents don't even know to ask about.

Essential coverage

General Liability

General liability is the first policy every spray foam contractor gets asked for — and the one that covers third-party bodily injury, property damage, and completed-operations claims from your spray foam work. I place GL programs built for the foam trade, not generic contractor policies.

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Off-Ratio Coverage

Off-ratio foam is the #1 claim exclusion in standard contractor GL — and most agents don't even know to ask about it. I place coverage that actually responds when an off-ratio application causes adhesion failure, moisture intrusion, or property damage.

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Contractor Pollution Liability

Standard GL has a pollution exclusion — and courts have ruled that isocyanates and foam off-gassing qualify as pollutants. Contractor pollution liability closes that gap for spray foam operations handling MDI, TDI, and blowing agents on every job.

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Workers' Compensation

Spray foam crews face real chemical exposure, respiratory risks, and equipment hazards on every job. I make sure your workers' comp is class-coded correctly for spray foam operations — not lumped under a generic painting or insulation code that inflates your premium.

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Commercial Auto

Your spray rigs are your business. Commercial auto for spray foam operations covers the trucks, trailers, and specialty rigs you run between jobs — including hired and non-owned auto when your crew drives their own vehicles for the company.

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Tools & Equipment

A Graco proportioner or reactor can run $30,000–$80,000. Standard contractor policies exclude tools and equipment entirely or cap coverage at a fraction of real value. I place inland marine coverage that reflects what your spray equipment actually costs to replace.

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Commercial Umbrella

When a completed-operations claim or job-site injury exceeds your primary policy limits, a commercial umbrella is what stands between you and a judgment. I size umbrella limits to your real exposure — not a generic $1M default that won't be enough.

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Contractor Bonds

Many states and municipalities require spray foam contractors to carry a license or permit bond before they can legally operate. I handle contractor bonds fast — so a bonding requirement doesn't slow down a job or cost you a contract.

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Not sure which lines you need?

Most spray foam contractors need GL + off-ratio + pollution + workers' comp as a core bundle. I'll tell you exactly what you need in one call — no upsell, no generic package.

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