Completed Operations & Warranty Exposure
Spray foam problems often appear long after the crew has left—improper cure, off-gassing, shrinkage, or moisture issues can surface months or years after installation. Completed-operations coverage responds to those post-job claims, which is critical for SPF contractors who offer multi-year workmanship warranties. The key is ensuring your completed-operations aggregate and term actually match the warranties you offer, so a delayed claim isn't an uninsured one.
What's Covered
- Coverage for claims arising after job completion
- Responds to improper-cure and off-gassing claims
- Aligns with multi-year workmanship warranties
- Completed-operations aggregate matched to your work
- Coordinates with pollution liability for foam claims
- Coverage for shrinkage and adhesion failure allegations
- Defence costs for post-completion suits
- Prior-acts options where available
Common Scenarios
- →Foam shrinks or pulls away from framing months later
- →A homeowner reports off-gassing long after install
- →An adhesion or moisture issue surfaces under warranty
- →A delayed third-party claim is filed post-completion
Typical Limits
Completed-operations aggregate matched to per-occurrence and warranty term
Get a Quote for Completed Operations
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Commercial General Liability
The foundation policy for every spray foam contractor—covers third-party bodily injury and property damage arising from your operations.
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.