Coverage lines

Coverage specifications for SPF contractors.

Standard contractor GL routinely excludes SPF work by classification or pollution endorsement. Our six coverage lines are written specifically for spray polyurethane foam applicators — with the right class codes, chemical exposure language, and off-ratio endorsements.

Essential coverage

SPF Contractor General Liability

GL coverage engineered for spray polyurethane foam applicators — with isocyanate and off-ratio endorsements that standard policies exclude.

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Contractor Pollution Liability

CPL coverage for isocyanate (MDI/TDI) and VOC exposure events — the chemical risk that standard GL pollution exclusions leave uncovered.

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Workers' Compensation

Workers' comp rated for SPF application class codes — covering isocyanate respiratory exposure, chemical burns, and fall hazards on SPF job sites.

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Commercial Auto & Spray Rigs

Commercial auto for SPF contractor fleets — covering proportioner trucks, heated-hose rigs, and service vehicles as scheduled vehicles.

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SPF Rig & Equipment Insurance

Inland marine coverage for SPF proportioners, heated hoses, spray guns, and ancillary equipment — replacing commercial auto coverage gaps for rig equipment.

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Commercial Umbrella

Umbrella limits up to $10M for SPF contractors — meeting GC requirements and protecting against large completed-operations claims.

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Need coverage across multiple lines?

We coordinate GL, CPL, WC, commercial auto, rig insurance, and umbrella on a single SPF contractor account. One call, 15-minute turnaround.

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