Coverage line
Umbrella / Excess Liability for spray foam contractors
Layered limits above your general liability, auto, and employers liability — the cushion that protects your business when a large-loss claim on a multi-million-dollar mountain home would otherwise exhaust your primary coverage.
What it covers
- Additional limits above your GL, commercial auto, and employers liability
- Limits from $1M up to $10M+ for large-loss claims
- Protection for claims involving multiple injured parties
- Coverage that follows the underlying policy form
- Defense contributions on large, complex claims
- Limits sized for luxury-home clients who require them
Who it's for
- Contractors with luxury-home clients that mandate higher limits
- SPF companies bidding large private and resort work
- Operators with significant assets to protect
- Crews whose GL limits no longer match high-value exposure
Why CCA
- Limits layered cleanly above your underlying program
- Priced for contractors, not generic small-business umbrella rates
- Sized for the deep-pocket clients common in the high country
Umbrella / Excess Liability — FAQ
Common questions about umbrella / excess liability
It's driven by your largest realistic loss and by what your clients require. Luxury-home general contractors and owners in Telluride routinely require $2M–$5M or more in total limits. We model a severe completed-operations or pollution scenario for your operation and size the umbrella so a single event on a high-value home doesn't exhaust your primary limits and your business.
Pair it with related coverage
Ready to bind the right coverage?
Get a real quote in about 15 minutes. We shop A-rated specialty markets that actually write spray foam.