Insurance Built for
Spray Foam Pros
Spray foam is a specialized trade with a specialized risk— pollution liabilitymost policies exclude. We build coverage around the foam contractor's real exposures, coast to coast.
CGL
+ Pollution Liability
Coast
to Coast
Multi
Carrier Markets
1 Day
Quote Turnaround
Coverage for the Way Foam Works
Pollution exposure, expensive equipment, and claims that surface years later—we build SPF programs around the risks generic contractor policies miss.
Covered in Three Steps
Tell us about your operation
Your services, revenue, crews, equipment, and the mix of residential and commercial foam work you do. The details that determine your real exposure.
We match you to the right market
As a specialist lead-gen brand, we connect you with licensed brokers and carriers who write spray foam contractor coverage—and compare your options.
Your business stays protected
CGL, pollution liability, equipment, auto, workers' coverage, and completed operations—structured around how foam contractors actually operate.
Why Foam Contractors Work With Us
We Understand the Pollution Gap
Foam is a classified pollutant. We make sure contractor's pollution liability is in your program—not left out the way generic policies leave it.
Completed Operations Done Right
Foam claims surface years later. We align your completed-operations coverage with the warranties you actually offer.
Specialist, Not Generalist
We focus on spray foam and insulation contractors and the markets that write them well—so your coverage fits the trade.
A generic contractor policy can leave foam claims uncovered.
The pollution exclusion in standard CGL is the gap that catches spray foam contractors. The right program closes it—before a denied claim does the damage.
Pollution Covered
Contractor's pollution liability for the foam claims CGL excludes.
Rig Protected
Your proportioner, pumps, and tools covered on site and in transit.
Crew & Warranty
Workers' coverage and completed operations matched to your work.
Common Questions
Why do I need pollution liability if I have general liability?
Polyurethane foam is a classified pollutant, and standard CGL policies contain a pollution exclusion. That means foam-related claims—chemical exposure, off-gassing, odour, improper cure—can be denied under CGL. Contractor's pollution liability is the coverage that fills that gap.
What coverages does a spray foam contractor need?
A complete program typically includes commercial general liability, contractor's pollution liability, equipment & tools coverage, commercial auto, workers' coverage & employers' liability, and completed operations.
How does coverage work for Canadian spray foam contractors?
Canadian commercial insurance is regulated provincially. We operate as a specialist lead-gen brand and connect spray foam contractors with licensed brokers and admitted markets that write SPF coverage—so your policy is placed properly.
Protect Your Spray Foam Business
Get a free, no-obligation quote. Tell us about your operation and we'll match you with the right markets—back to you within one business day.
Or email josh@contractorschoiceagency.com