Spray foam insurance built for applicators, not adapted for them.

A spray foam insurance company places direct programs through its own carrier relationships — purpose-built for spray foam. A broker shops around but often places spray foam contractors in generic GL policies that exclude the most important coverages. We're the company built for spray foam, not a broker adapting a standard form.

Off-ratio coverage protects against claims arising when spray foam's A and B components are mixed at the wrong ratio. Off-ratio foam can fail structurally, off-gas, and require expensive remediation. Most standard GL policies exclude these claims under pollution or product-failure exclusions. Off-ratio coverage is the single most important addition to a spray foam GL policy.

Standard GL policies typically exclude off-ratio spray foam claims under pollution exclusions, product exclusions, or both. Off-ratio coverage must be specifically added to the GL policy — or placed as a separate endorsement. We build spray foam GL policies that include it.

Contractor pollution liability (CPL) covers bodily injury and property damage claims arising from the chemicals used in spray foam — MDI, polyols, amine catalysts, and blowing agents. These are classified as pollutants under most GL forms, which means standard GL excludes them. CPL fills that gap.

Cost depends on crew size, annual revenue, types of work (residential vs. commercial vs. industrial), equipment value, loss history, and coverage lines. Small one-crew operations may pay a few thousand annually; larger multi-rig commercial contractors pay more. We quote your actual business in about 15 minutes — never a generic estimate.

Yes. Spray Foam Insurance Company issues same-day certificates of insurance. When a GC calls at 7am for an 8am start, we can have a certificate in your inbox before your crew arrives on site. This is a core part of how we serve spray foam contractors.

Spray foam applicators should be coded under the correct insulation-installer or spray-applied insulation class codes — not painting or generic construction codes. Wrong class codes can mean overpayment on premiums and gaps in coverage during an audit. We assign the correct codes for spray foam crews.

In most states, yes — once you have employees, workers' comp is legally required. Spray foam work involves respiratory hazards, chemical exposure, and elevated work conditions, making proper workers' comp essential for both your crew and your liability protection.

A spray foam GL policy covers third-party bodily injury and property damage on and off the jobsite, completed-operations claims (damage discovered after the project is done), and defense costs. The critical additions for spray foam are off-ratio coverage and contractor pollution liability — without them, GL has major gaps.

Yes, with the right policy language. Completed-operations coverage under GL covers claims that arise after you've finished a job — a common exposure in spray foam where off-ratio or adhesion failures may not be discovered for months. We verify completed-operations language and limits before binding.

No. Standard GL policies contain pollution exclusions that remove coverage for the chemicals used in spray foam — including MDI, polyols, and blowing agents. Contractor pollution liability (CPL) is the coverage that specifically addresses chemical exposure and off-gassing claims.

General contractors require spray foam subcontractors to carry GL with specific limits (often $1M/$2M or higher), name the GC as additional insured, and sometimes require off-ratio or CPL endorsements. We issue the certificate with the correct additional insured language and endorsements in minutes.

Often yes. We have specialty and surplus-lines markets for spray foam contractors declined over prior remediation claims, off-ratio losses, or chemical exposure incidents. Bring us your situation and we'll find the right market.

Yes. Spray Foam Insurance Company is licensed in all 50 states and writes spray foam contractor programs whether your business is in Texas, Florida, Ohio, California, or anywhere in between.

The named insured is your business — the entity covered under the policy. An additional insured is another party (typically a GC or property owner) added to your policy so they have coverage for claims arising from your work. We add additional insureds and issue updated certificates same-day.

Typically 15 minutes on a call. For larger commercial programs or accounts with prior losses, we may need a day to involve specialty markets, but we move fast and set clear expectations upfront.

Most GCs require $1M per occurrence / $2M aggregate GL with completed-operations coverage. Larger commercial projects often require $2M/$4M or an umbrella bringing total limits to $3M or higher. We size the program to the work you're bidding.

Usually yes. Bundling GL, off-ratio, CPL, workers' comp, and auto into one coordinated program closes gaps between policies, often reduces total cost, and makes certificate issuance and claims management much simpler.

The best spray foam insurance company understands off-ratio claims, writes CPL without carving out spray foam chemicals, issues same-day certificates, uses correct workers' comp class codes, and has A-rated carriers behind the program. That's what we do.