Spray Foam Contractor Insurance, built for the high country.
Most policies exclude the isocyanate pollution, snow-load builders risk, and cold-climate exposures that define spray foam in the Colorado mountains. We write coverage that actually does — GL, Workers' Comp, CPL, and high-limit umbrella — for SPF crews working luxury mountain homes at altitude.
96+
Colorado spray foam contractors insured across the high country
NPN #8608479
Licensed all 50 states
- Licensed in all 50 states
- Founded 2005 — 20+ years
- Cold-climate & altitude experts
- 15-minute quote turnaround
- 2-hour claims response
- Luxury-home high-limit programs
Eight lines of coverage, written specifically for spray foam contractors.
A generalist policy leaves isocyanate claims, rig damage, and pollution losses uncovered. We build programs that close those gaps.
Not sure what you need? Get a coverage review →
The coverage gaps that cost SPF contractors the most.
Most agents hand a spray foam crew a generic contractor policy and call it done. Then an isocyanate claim hits and the exclusion kicks in. We underwrite the parts of your work everyone else leaves out.
Former contractor on staff
Josh Cotner ran rigs and filed certificates before founding CCA in 2005. He reads your loss runs and knows exactly what a proportioner costs to replace.
CPL for tight, cold-climate homes
Mountain homes are sealed aggressively against the cold, which means isocyanate off-gassing and odor have nowhere to go. Standard GL excludes it; our contractors pollution liability closes the gap that matters most at altitude.
Workers' comp written for cold and altitude
Your crews work in the cold, on ice, and at 8,000+ feet. We write workers' comp with class codes that reflect cold exposure, slip-on-ice, and altitude — not a generic contractor rating that disputes the claims you'll actually file.
Snow-load & wildfire builders risk
Construction in the Colorado high country faces snow load on open structures and wildfire-ember exposure. We structure builders risk for the real mountain exposures generic course-of-construction policies ignore.
Run by a former contractor
Josh Cotner spent years in the trades before founding Contractors Choice Agency in 2005. He's read the specs, run the rigs, and navigated certificates — he speaks your language.
High-limit programs for luxury homes
General contractors and luxury-home owners in Telluride require higher limits than most agencies structure. We layer GL, umbrella, and excess coverage sized for multi-million-dollar mountain residential work.
Equipment covered for mountain conditions
Cold weather, remote jobsites, and mountain-pass transit are hard on a six-figure spray rig. We schedule equipment at replacement cost and cover it for the conditions you actually work in.
From quote request to bound policy in about a day.
No back-and-forth for two weeks. A real conversation, real markets, and a program you can actually understand — built around your spray foam operation.
Tell us about your SPF operation
A 15-minute call or quote form. We learn your crew size, equipment, the work you bid (timber-frame, retrofit, luxury residential), and the limits your high-country clients require.
We shop A-rated specialty + E&S markets
Luxury mountain homes and cold-climate exposure limit the carriers that will write you. We have relationships with admitted and excess-and-surplus markets that understand spray foam — including CPL and high-limit umbrella.
Bind a program built for the high country
GL + workers' comp + contractors pollution liability + snow-load/wildfire builders risk + equipment + umbrella, coordinated so there are no gaps when a cold-weather or luxury-home claim hits.
Claims support that answers fast
When a loss hits — a completed-operations claim on a multi-million-dollar home, an ice-related injury, equipment lost in transit — you reach a person, not a queue. 2-hour claims response, every time.
Or call 844-967-5247 — usually answered live.
Built for the high country. Licensed in all 50.
We know spray foam in the Colorado mountains — the cold, the altitude, the crews working Telluride, Mountain Village, and resort communities across the state. And because we're licensed nationwide, we follow your work wherever it takes you.
- Telluride & Mountain Village — San Miguel County — luxury timber-and-stone, conditioned attics, 8,750 ft
- San Juan Mountains — Ridgway, Ouray, Silverton — extreme cold and remote high-altitude work
- Aspen & Roaring Fork — Pitkin County — ultra-luxury residential and resort commercial
- Vail & Summit County — Eagle / Summit — ski-area condos and second-home retrofits
- Steamboat & Northern CO — Routt County — cold-climate and ranch-country construction
- Front Range & statewide — Denver, Boulder, Colorado Springs — and beyond, via 50-state licensing
The Colorado high country is home base.
We've insured foam crews from Telluride to Aspen since 2005.
0+
Colorado SPF contractors insured
0+
Years insuring contractors nationwide
0 min
Average quote turnaround
0
States licensed & writing
Contractors who stopped fighting their insurance company.
“Insuring spray foam work on Telluride's luxury homes isn't like anywhere else — high values, tight envelopes, snow and wildfire exposure. CCA built us a program with the limits those properties demand and the contractors pollution liability every other agent glossed over.”
Travis H.
Owner, mountain SPF crew · Telluride, CO
“Our crew works in the cold at altitude half the year. CCA wrote our workers' comp for the real exposure — cold, ice, altitude — not a generic contractor code. The builders risk they structured even covered snow-load during a winter build.”
Megan L.
Operations lead · Mountain Village, CO
“When a GC required a $5M umbrella before we could bid a luxury home, Josh's team placed it fast and priced it fairly. They actually understand high-value mountain residential work.”
Sam D.
Founder, insulation company · Ridgway, CO
Spray foam insurance, in plain English.
Three reasons: the homes are luxury and high-value (requiring higher limits and umbrella coverage), the envelopes are sealed tightly against extreme cold (which elevates isocyanate off-gassing and pollution exposure), and construction faces real snow-load and wildfire risk during the build. A generic contractor policy misses all three. We write programs built for high-altitude, cold-climate, luxury-residential spray foam work.
For any contractor applying spray polyurethane foam, CPL is effectively essential. Isocyanates are classified as pollutants and excluded by standard GL — and in the tightly sealed, cold-climate homes common to the high country, off-gassing and odor claims are more likely to be noticed and pursued. Builders and GCs on luxury projects increasingly require it. We write it standalone or packaged with your GL.
Differently than most agencies. Spray foam crews in the Colorado mountains face cold exposure, slip-and-fall on ice, altitude effects, and isocyanate sensitization — exposures a generic contractor class code doesn't capture. We write workers' comp with class codes and payroll structures that reflect chemical handling and cold/altitude work, so the claims you're most likely to file aren't disputed on a technicality.
Yes — and in the high country it has to. We structure builders risk that explicitly addresses snow-load on open or partially enclosed structures and wildfire-ember exposure during construction, not just generic fire and theft. If a winter storm or nearby wildfire damages the structure you're insulating, the right builders risk responds.
More than most contractors carry. Luxury-home general contractors and owners routinely require $2M–$5M or more in total limits. We model a severe completed-operations or pollution scenario for your operation and layer GL with umbrella/excess liability so a single large claim on a high-value home doesn't exhaust your primary coverage.
Contractors Choice Agency is licensed in all 50 states (NPN #8608479), so we can write your Colorado operation and follow you across mountain markets — Aspen, Vail, Jackson, Sun Valley — and beyond. One agent, one program, wherever the work takes you.
Get the spray foam coverage your current policy is missing.
Whether you need contractors pollution liability today or a full program shopped across A-rated markets, one call gets you real quotes — not a voicemail and a two-week wait.
No obligation. No spam. Licensed all 50 states.