Blog & insights

Spray foam insurance brokerage, decoded

Plain-English guides on how to shop the spray foam insurance market — comparing carriers, understanding policy forms, and finding the best rate for GL, WC, CPL, and rig coverage.

Rig & Equipment Coverage for Spray Foam Contractors: Inland Marine Explained
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Equipment & Rig CoverageAugust 24, 20266 min read

Rig & Equipment Coverage for Spray Foam Contractors: Inland Marine Explained

We compare inland marine rates and forms for spray foam rigs — evaluating replacement cost vs. ACV, breakdown endorsements, transit coverage, and pricing across multiple markets to find the best rig coverage for your operation.

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Pollution Liability7 min read

Contractors Pollution Liability: The Coverage Gap Your GL Policy Doesn't Fill

Standard general liability policies commonly carry a pollution exclusion — which means chemical exposure and off-gassing claims from spray foam work can fall through the cracks unless you're carrying CPL. Here's what that gap actually looks like and how to close it.

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Workers' Compensation6 min read

Workers' Comp Class Codes for Spray Foam Crews: Why Misclassification Costs You Money

Most spray foam crews are coded wrong for workers' comp — one generic construction code slapped on applicators, helpers, and drivers alike. Here's what a correct breakdown looks like, and why it matters.

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Cost & Pricing8 min read

How Much Does Spray Foam Contractor Insurance Cost?

There's no single number for spray foam insurance cost — carriers price the same contractor differently depending on class codes, X-mod, equipment schedules, and how they handle isocyanate exposure. Here's what actually moves your premium.

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General Liability6 min read

General Liability Insurance for Spray Foam Contractors

What a real GL policy needs to cover for spray foam work, why overspray and completed-operations claims trip contractors up months later, and what a GC is actually asking for when they send you a COI request.

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