Workers' Coverage & Employers' Liability
Spray foam crews face genuine occupational hazards: isocyanate and chemical exposure, respiratory risk, work at height, and the physical demands of hauling equipment. Beyond mandatory provincial workers' compensation board coverage (WCB/WSIB), employers' liability and related coverages protect your business when an injured worker's claim goes beyond the board's scope. We make sure your program reflects the actual classifications and exposures of SPF work.
What's Covered
- Coordinates with provincial WCB / WSIB coverage
- Employers' liability protection
- Correct classification for SPF / insulation work
- Coverage geared to isocyanate and respiratory exposure
- Work-at-height injury considerations
- Return-to-work program guidance
- Disability and supplemental options
- Support for multi-province operations
Common Scenarios
- →A crew member suffers a chemical or respiratory exposure
- →A worker is injured handling heavy equipment or drums
- →A fall or strain injury occurs on site
- →An employer-liability claim follows a workplace injury
Typical Limits
Statutory WCB/WSIB plus employers' liability limits to your payroll
Get a Quote for Workers' & Employers' Liability
Our specialists will review your operation and match you with the right markets—within one business day.
Request Free QuoteOther Coverages
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.