Coverage lines

Insurance built line-by-line for spray foam contractors.

Each policy below addresses a specific exposure in the SPF trade — from the isocyanate pollution claims your GL excludes to the proportioner your inland marine needs to value correctly.

General Liability Insurance

Third-party bodily injury and property damage coverage built for spray foam applicators — overspray on luxury mountain homes, jobsite accidents, and the completed-operations claims that surface in the tight, energy-efficient envelopes of high-altitude construction.

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Workers' Compensation

Coverage for isocyanate exposure, cold-weather and slip-on-ice injuries, altitude effects, and rig hazards — the real risks spray foam crews face working timber-frame walls and cold attics in the Colorado high country.

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Essential for SPF

Contractors Pollution Liability

Mandatory for spray foam. Covers claims from off-gassing, VOCs, and isocyanate vapor in the tight, sealed envelopes of cold-climate mountain homes — risks that standard GL excludes and that high-altitude construction makes more likely.

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Commercial Auto Insurance

Coverage for spray foam rigs, box trucks, and service vehicles running mountain passes and snow-covered roads between Telluride, Mountain Village, and jobsites across the Colorado high country.

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Inland Marine / Equipment

Protect your proportioner, hoses, generator, and spray equipment against cold-weather damage, theft, and transit loss on mountain roads — at the yard, in transit, and on remote jobsites.

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Professional Liability (E&O)

Covers claims of faulty installation, improper spec, R-value and cold-climate performance failures, and warranty disputes — the design and installation errors GL won't touch.

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Builder's Risk Insurance

Course-of-construction coverage built for the mountains — fire, theft, snow-load, and wildfire exposure to the luxury structures you're insulating during Colorado's harsh construction windows.

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Umbrella / Excess Liability

Layered limits above your GL, auto, and employers liability — the cushion that protects your business when a large-loss claim on a high-value mountain home would otherwise exhaust your primary coverage.

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Not sure which lines you need?

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

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