Commercial General Liability for Spray Foam Contractors
Commercial general liability (CGL) is the base coverage every spray foam insulation contractor needs. It responds when your work causes third-party bodily injury or property damage—a client slips at the job site, overspray damages a finished surface, or a homeowner alleges your installation harmed their property. For SPF contractors the most important detail is what the CGL excludes: standard forms carry a pollution exclusion that can leave foam-related claims uncovered, which is why CGL must be paired with contractor's pollution liability.
What's Covered
- Third-party bodily injury and property damage coverage
- Products and completed-operations coverage
- Defence costs included
- Additional insured endorsements for builders and GCs
- Certificates of insurance on demand
- Coverage written for SPF / insulation operations
- Limits commonly from $2M to $5M
- Pairs with pollution liability to close the foam gap
Common Scenarios
- →Overspray damages a homeowner's finished surfaces
- →A visitor is injured at your job site
- →A finished installation is alleged to cause property damage
- →A general contractor names you in a third-party claim
Typical Limits
$2M per occurrence / $5M aggregate common for SPF contractors
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Pollution Liability
The coverage spray foam contractors can't skip—polyurethane foam is a classified pollutant, and standard CGL excludes pollution claims.
Equipment & Tools
Protect your proportioner, spray rig, hoses, generators, and tools against theft, damage, and breakdown—at the shop, on the road, or on site.
Commercial Auto
Cover the trucks, vans, and trailers that carry your spray foam rig—liability on the road plus physical damage to your vehicles.