Insulation Contractor Business Insurance for Spray Foam and Fiberglass Jobs

Nate Jones, CPCU, ARM, CLCS, AU
7 days ago
2 min read

Insulation contractors working with spray foam and fiberglass face unique risks on every jobsite. From accidental property damage to worker injuries, the right business insurance is crucial to protect your company. This guide covers the types of insurance spray foam and fiberglass contractors need and how to get a tailored quote from Wexford Insurance.

Why Spray Foam and Fiberglass Contractors Need Insurance

Spray foam and fiberglass installations carry specific hazards:

Chemical exposure – Spray foam installers handle chemicals that can cause injury without proper safety measures.
Dust and irritants – Fiberglass particles can cause respiratory issues or skin irritation.
Property damage – Overspray or mishandling can damage client property.
Equipment loss – Specialty equipment for mixing and spraying insulation is expensive to replace.

Proper insurance protects both your business and your employees while giving clients confidence in your professionalism.

Essential Insurance Types for Spray Foam and Fiberglass Contractors

When applying for insurance, contractors should consider these core policies:

General Liability Insurance – Covers third-party injuries, property damage, and legal defense costs.
Workers’ Compensation – Mandatory in most states if you have employees. Covers medical bills and lost wages after workplace injuries.
Commercial Auto Insurance – Protects vehicles used for transporting insulation materials and equipment.
Tools and Equipment Coverage – Replaces damaged or stolen tools critical to your business operations.
Professional Liability Insurance – Covers mistakes, faulty work, or negligence claims.

What You Need to Apply for a Quote

Before requesting a quote from an insurer like Wexford Insurance, have the following ready:

Business information – Name, structure, and years in operation.
Revenue & payroll – Helps determine premium rates.
List of services – Spray foam, fiberglass, or other insulation types.
Equipment & vehicles – Number and value of tools, spray rigs, and company vehicles.
Safety protocols – Documentation of employee safety and training programs.