Spray foam coverage is its own discipline. Here's how the process works—and how a specialist closes the gaps a generic contractor policy leaves.
We start with your operation: services, revenue, crews, equipment, and the mix of residential and commercial foam work. SPF risk is specific—pollution, equipment, and completed operations all matter.
As a specialist lead-gen brand, we connect you with licensed brokers and admitted carriers who write spray foam contractor coverage, and compare your options on coverage and price.
We make sure contractor's pollution liability is in your program—not excluded the way generic policies leave it—alongside CGL, equipment, auto, and workers' coverage.
We align your completed-operations term with the warranties you offer and review your program at renewal as your crews, equipment, and revenue change.
If a claim arises—on the job or years later—you have a specialist who understands foam claims (pollution, off-gassing, completed operations) helping you through it.
Polyurethane foam is a classified pollutant, and standard CGL policies contain a pollution exclusion. That means foam-related claims—chemical exposure, off-gassing, improper cure—can be denied under CGL. Contractor's pollution liability is what closes that gap.
A complete program typically includes commercial general liability, contractor's pollution liability, equipment & tools coverage, commercial auto, workers' coverage / employers' liability, and completed operations.
Canadian commercial insurance is regulated provincially, so policies are placed through licensed brokers and admitted markets. We operate as a specialist lead-gen brand and connect spray foam contractors with the right licensed markets that write SPF coverage.
Foam problems—shrinkage, off-gassing, adhesion failure—often surface months or years after the job. Completed-operations coverage responds to those delayed claims, and it should be aligned with any multi-year workmanship warranty you offer.
Yes—contractor equipment coverage (inland marine) protects your proportioner, pumps, hoses, and tools wherever they are. Standard commercial auto only covers the vehicle, not the gear inside, so equipment coverage is essential.
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