Insurance engineered for SPF applicators.

An off-ratio event occurs when the A-component (isocyanate) and B-component (polyol) are mixed at the wrong ratio during application, resulting in soft foam, incomplete cure, or chemical release. Standard GL policies frequently exclude off-ratio events as 'expected or intended injury' or under separate product exclusions. SPF-specific GL endorsements cover off-ratio application claims as covered occurrences.

CPL covers third-party bodily injury and property damage arising from pollutant releases during your contracting operations. For SPF contractors, this means MDI/TDI isocyanate exposure, amine catalyst off-gassing, and blowing agent releases. Standard GL pollution exclusions exclude these events entirely — CPL fills that coverage gap.

CPL covers third-party claims arising from: isocyanate off-gassing during and after SPF application, blowing agent releases (CO2, HFO, water-blown), amine catalyst exposure, respiratory sensitization complaints from building occupants, and indoor air quality claims post-application. The trigger language in the CPL policy determines what's covered — we review trigger definitions carefully for SPF applicators.

The A-component is the isocyanate (typically MDI — methylene diphenyl diisocyanate). The B-component is the polyol blend (resin side), which includes polyols, flame retardants, surfactants, catalysts, and blowing agents. Insurance classification treats the isocyanate A-side as the primary pollutant exposure. Both components require proper chemical classification in your policy — particularly for CPL trigger language.

No. Commercial auto policies cover the vehicle — the truck or trailer — as a scheduled vehicle. The proportioner unit, heated hose assemblies, spray guns, and ancillary equipment are not covered under commercial auto. These require a separate inland marine equipment floater (rig insurance). We write both coverages and coordinate them to eliminate the equipment coverage gap.

SPF rig insurance is an inland marine equipment floater covering your spray foam proportioner machine, heated hose assemblies, spray guns, drum heaters, generators, and ancillary equipment. Coverage applies on-site, in-transit, and at your yard or storage location. Proportioner replacement values range from $15,000 to $80,000+ — most SPF contractors are significantly underinsured on equipment without a separate floater.

SPF applicators typically fall under NCCI class codes in the insulation contractor range (5183 — Plumbing, Heating, Ventilation; or specialty codes depending on state). Some states use Bureau-specific codes for spray foam applicators. Misclassification at WC placement often results in large audit charges. We review class code assignment with carriers familiar with spray foam operations before binding.

Named insured structure matters for SPF contractors with multiple crews, DBAs, or related entities. If your spray foam crews operate under different entity names or you use 1099 subcontractors for SPF work, the named insured must reflect the actual risk — or claims can be denied. We review entity structure and subcontractor use during the application process.

Not automatically. Standard GL policies exclude subcontractor work unless specifically endorsed. SPF GL policies require subcontractor scheduling or blanket subcontractor coverage endorsements for hired SPF crews to be covered. We review subcontractor certificates and ensure your policy responds to both your direct operations and any hired SPF subcontractors.

Admitted carriers are licensed by state insurance departments and provide state guaranty fund protection. Surplus-line (E&S) carriers operate outside standard admitted markets and can write risks that admitted carriers decline — including many SPF applicator accounts. Most SPF contractor GL and CPL is placed in E&S markets through approved surplus line brokers. We are licensed to place both admitted and E&S coverage in all 50 states.

Commercial GCs and property owners increasingly require $5M to $10M umbrella limits from SPF subcontractors, particularly on large commercial, industrial, and institutional projects. The umbrella must follow form over your SPF GL and ideally your CPL as well. We build the full coverage stack — GL + CPL + umbrella — to satisfy GC certificate requirements.

Many GC master policies include spray foam exclusions in their own GL. When a GC requires an SPF subcontractor to carry coverage, they typically require the subcontractor's GL to be SPF-specific and may require confirmation that the GL does not itself contain a spray foam exclusion. We issue certificates that accurately reflect your SPF-specific coverage and can provide policy language excerpts for GC compliance review.

Claim history affects placement but does not automatically disqualify coverage. SPF-specific E&S markets underwrite completed-operations losses on a case-by-case basis. We present your claim history with context — type of loss, root cause, remediation taken — to carriers most likely to write your risk. Some markets will add specific exclusions rather than decline entirely.

Application type affects class code, premium, and coverage availability: (1) closed-cell roofing SPF — higher completed-operations exposure; (2) open-cell residential insulation — lower chemical exposure profile; (3) cold storage and agricultural applications — specialty markets; (4) marine applications — separate specialty classification. We match your application mix to the right carrier program.

SPF WC premium is calculated on payroll at rates specific to your class code. Some states use dual-wage rules that apply different rates based on hourly wage thresholds. Premium adjustments occur at audit based on actual payroll. We review your payroll allocation — distinguishing applicator payroll from clerical and driver payroll — to ensure accurate classification and minimize audit exposure.

Standard commercial auto does not cover chemical cargo (A and B component drums) as cargo coverage — and may exclude pollution liability arising from chemical spills during transport. A pollution endorsement on commercial auto or a separate CPL policy is needed to cover chemical release events during transport. We coordinate commercial auto and CPL to eliminate this gap.

A proportioner is the core SPF equipment — a heated, high-pressure machine that meters and mixes the A and B components at the correct ratio before atomizing through the spray gun. New proportioner prices range from $20,000 to $80,000+ depending on output capacity and heater specs. Without an equipment floater, a proportioner loss is typically uninsured or underinsured under commercial auto. We insure proportioners at agreed-value or replacement-cost basis.

Most SPF contractor insurance quotes are returned within 15 minutes of receiving complete application information during business hours. Binding typically occurs same-day. Certificates are issued the same day as binding. Complex risks with claim history or large commercial operations may take 24–48 hours for full market review.

To quote SPF contractor GL, CPL, WC, commercial auto, rig, and umbrella, we typically need: (1) business entity name and state of formation; (2) states of operation; (3) years in business; (4) annual revenue and SPF-specific revenue; (5) SPF application types (open-cell, closed-cell, roofing, residential, commercial); (6) crew size and payroll breakdown; (7) proportioner make/model and replacement value; (8) vehicle count and VINs; (9) 5-year loss history.