Contractors Pollution Liability for spray foam contractors
The single most important policy a high-country spray foam contractor can carry. Isocyanates are pollutants your GL excludes — and the tightly sealed, cold-climate envelopes of mountain homes make off-gassing claims far more likely. CPL closes the gap.
What it covers
- Bodily injury and property damage from pollution conditions
- Off-gassing, VOC, and isocyanate vapor claims from installed foam
- Indoor air quality and odor claims from occupants
- Chemical spills and mishandling of the A-side / B-side components
- Cleanup and remediation costs
- Defense costs for pollution-related claims and suits
Who it's for
- Every contractor applying spray polyurethane foam — residential or commercial
- SPF subcontractors required to show CPL by builders and GCs
- Crews doing closed-cell work in occupied or tightly sealed structures
- Contractors non-renewed over a vapor, odor, or air-quality claim
Why CCA
- The differentiator most agents can't place — we can
- Available standalone or packaged with your GL program
- Claims-made or occurrence forms depending on what fits your operation
Common questions about contractors pollution liability
Almost never for spray foam. Standard GL policies carry a broad pollution exclusion, and isocyanates — the A-side of spray foam — are classified as pollutants. In tightly sealed, cold-climate mountain homes, off-gassing and odor claims are common, and a standard GL will typically deny them. Contractors pollution liability exists specifically for this exposure, and for SPF contractors it is not optional in practice.
Fast — this is one of the most common reasons contractors call us. We can often bind contractors pollution liability and issue a certificate of insurance within a business day so you don't lose the job. Send us the builder's requirements and we'll match them.
Pair it with related coverage
Ready to bind the right coverage?
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