Contractor's Pollution Liability for Spray Foam
This is the single most important coverage for a spray foam contractor, and the one most often missing. Polyurethane foam and its components (including isocyanates) are classified as pollutants, and the pollution exclusion in a standard CGL policy means foam-related claims—chemical exposure, off-gassing, odour complaints, improper cure—can be denied. Contractor's pollution liability fills that gap, covering third-party bodily injury and property damage arising from the foam itself.
What's Covered
- Covers polyurethane foam as a covered pollutant
- Third-party bodily injury from chemical/isocyanate exposure
- Property damage from off-gassing or improper cure
- Odour and indoor air-quality complaints
- Completed-operations pollution coverage
- Emergency response and cleanup cost options
- Available as standalone or CGL endorsement
- Retroactive coverage for prior work where available
Common Scenarios
- →A homeowner reports lingering odour and air-quality issues after install
- →Foam fails to cure properly and is alleged to cause harm
- →A chemical-exposure claim arises during or after application
- →Off-gassing damages a client's property or health claim is filed
Typical Limits
$1M to $5M per occurrence; aggregate set to your operation
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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.
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.