Spray Foam Insulation Business Insurance: How to Get Approved
- Nate Jones, CPCU, ARM, CLCS, AU
- 7 days ago
- 2 min read
Spray foam insulation is highly effective but comes with unique risks, including chemical exposure, property damage, and potential liability claims. That’s why having the right spray foam insulation business insurance is essential. In this guide, we’ll explain how contractors can get approved for coverage and connect with Wexford Insurance for a personalized quote.
Why Spray Foam Insulation Contractors Need Insurance
Spray foam work carries specific hazards that make insurance critical:
Chemical exposure – Protects your business from claims related to skin, respiratory, or eye injuries.
Property damage – Accidental overspray or mishandling can damage client property.
Employee injuries – Covers workplace accidents through workers’ compensation.
Legal protection – Pays for lawsuits or claims arising from faulty installations or negligence.
Proper insurance safeguards both your business and your employees while demonstrating professionalism to clients.
Types of Insurance for Spray Foam Insulation Contractors
To get approved for a quote, most insurers will expect coverage in these areas:
General Liability Insurance – Protects against third-party injury and property damage claims.
Workers’ Compensation Insurance – Mandatory in most states to cover employee injuries.
Commercial Auto Insurance – Covers vehicles used to transport materials and equipment.
Tools & Equipment Insurance – Replaces expensive spray foam rigs and tools if stolen or damaged.
Professional Liability Insurance – Covers claims of faulty or negligent work.
How to Get Approved for Spray Foam Insulation Insurance
Insurance approval depends on demonstrating that your business manages risks properly. Here’s how to increase your chances:
Document your safety programs – Training, certifications, and proper handling procedures show insurers you minimize risks.
Provide accurate business details – Be ready with information about revenue, payroll, services, equipment, and job site practices.
Use a knowledgeable broker – Wexford Insurance specializes in spray foam contractors and can help you prepare for approval.
Maintain a clean claims history – Insurers consider prior claims when evaluating risk and pricing.
Benefits of Proper Approval
Ensures coverage is tailored to your specific spray foam work.
Avoids gaps in coverage or denied claims.
Builds trust with clients and general contractors who may require proof of insurance.
