Coverage lines

Insurance built line-by-line for insulation contractors.

Each policy below addresses a specific exposure in insulation contracting — from spray foam liability (the coverage gap that standard GL leaves open) to contractor pollution liability for chemical off-gassing.

General Liability Insurance

Core bodily injury and property damage coverage for insulation contractors. Required by most GCs and project owners before you can start work.

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Essential coverage

Spray Foam Liability Insurance

Specialist liability coverage for spray polyurethane foam installers — addresses off-gassing, adhesion failures, and chemical exposure claims that standard GL excludes through the pollution exclusion.

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Tools & Equipment Coverage

Covers spray rigs, proportioners, hose systems, blowing machines, and portable insulation equipment against theft and damage at job sites and in storage.

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Workers' Compensation

Required WC for insulation installers and spray foam crews — with the right insulation class codes and carriers that understand blown-in and SPF chemical exposure.

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Commercial Auto Insurance

Coverage for spray rigs, service trucks, and vans used to transport insulation equipment and materials between jobs. Personal auto excludes commercial use.

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Contractor Pollution Liability

Covers chemical exposure and off-gassing claims from spray foam and insulation installation that fall outside standard GL pollution exclusions — the critical gap-filler for SPF installers.

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Umbrella & Excess Liability

Additional liability limits above GL and auto for larger residential and commercial insulation projects. Required by many commercial GC contracts.

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Contractor Surety Bonds

License bonds, performance bonds, and payment bonds for insulation contractors bidding on residential, commercial, and government projects.

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Not sure which lines you need?

Most insulation contractors bundle GL + spray foam liability + CPL + workers' comp + tools & equipment into one coordinated program. We'll build the right mix in one call.