Coverage lines

Multiple carrier comparison for spray foam contractors.

Each service below represents a line of coverage we shop across multiple carriers — comparing rates, forms, and exclusion structures so you get the best program, not just the first one available.

Essential coverage

General Liability Insurance

We shop multiple carriers to find the best GL rate for spray foam contractors — comparing overspray coverage, completed-operations limits, exclusion structures, and pricing across admitted and specialty markets.

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Workers' Compensation

Workers' comp rates for spray foam applicators vary significantly by carrier. We shop multiple markets to find the best rate for your crew size, class codes, and loss history — admitted and state fund where available.

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Inland Marine & Equipment

Inland marine rates for spray foam rigs vary by carrier, deductible structure, and coverage form. We compare replacement-cost vs. ACV programs, breakdown endorsements, and transit coverage across multiple markets.

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Contractors Pollution Liability

CPL rates for spray foam contractors differ significantly across carriers. We compare claims-made vs. occurrence forms, isocyanate coverage structures, and pricing to find the best CPL program for your operation.

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Commercial Auto

Commercial auto rates vary by carrier, driver history, and vehicle type. We shop the market to find the best rate for the trucks and vans hauling your spray foam rig — and coordinate with inland marine for the equipment they carry.

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High-Risk & Hard-to-Place Programs

Been declined for GL, CPL, or WC because of chemical exposure, a prior loss run, or high-hazard work? We have E&S markets that write spray foam programs other brokers can't place — and we know how to present your risk.

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Package & BOP Programs

We compare package (BOP) programs that bundle GL, property, and equipment into one policy — often at better rates than separate policies. We evaluate whether a package or standalone approach saves you more.

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Umbrella & Excess Liability

Umbrella and excess liability rates differ significantly by underlying carrier and coverage structure. We shop excess markets to find the best rate for the limits your jobs and contracts require.

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Want the full market shopped?

Most spray foam contractors benefit most from a full comparison — GL, WC, inland marine, and CPL across multiple carriers. We'll quote the whole program in one call.

Get a free quote844-967-5247