Blog & insights

SPF insurance technical guides

Coverage specification articles for spray polyurethane foam contractors — GL exclusions, isocyanate pollution liability, rig insurance, WC class codes, and commercial umbrella requirements.

Why Standard GL Excludes SPF Work (And What Actually Covers It)
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SPF General LiabilityJune 10, 20263 min read

Why Standard GL Excludes SPF Work (And What Actually Covers It)

Standard general liability policies routinely exclude spray polyurethane foam work through classification gaps and pollution exclusions. Here's what SPF-specific GL fixes.

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Pollution Liability4 min read

Isocyanate Exposure and SPF Pollution Liability Coverage

MDI and TDI are classified as pollutants under standard GL exclusions. Here's how Contractor Pollution Liability (CPL) covers isocyanate exposure events for SPF applicators.

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Rig Insurance4 min read

SPF Rig Insurance: What Covers Your Proportioner, Hoses, and Spray System

Commercial auto doesn't cover your proportioner. Here's what SPF rig insurance (inland marine equipment floater) covers and why it's essential for SPF applicators.

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Workers Compensation4 min read

SPF Workers' Comp Class Codes: How Applicators Are Rated

How spray polyurethane foam applicators are classified for workers' comp — NCCI class codes, dual-wage rules, payroll allocation, and audit risk for SPF contractors.

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Commercial Umbrella4 min read

SPF Umbrella Insurance: Minimum Limits for Commercial Contracts

Large commercial GCs require SPF subcontractors to carry $5M or $10M umbrella limits. Here's how umbrella stacking works for spray foam contractors and what follow-form coverage means.

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