Coverage line
Builder's Risk Insurance for spray foam contractors
Course-of-construction coverage for the structures you're insulating — protection against fire, theft, wind, and monsoon damage while your foam work is in progress.
What it covers
- Fire, lightning, and wind damage during construction
- Theft and vandalism of materials and installed work
- Monsoon and water-intrusion damage (critical in Arizona)
- The structure itself and installed insulation materials
- Soft costs and delay considerations on larger projects
- Coverage from groundbreaking through project closeout
Who it's for
- SPF contractors running new-build and major-remodel projects
- Crews insulating custom homes and commercial structures
- Owner-builders and GCs responsible for the structure during construction
- Contractors working on luxury and high-value desert properties
Why CCA
- Policies structured for residential and commercial course-of-construction
- Monsoon and water-intrusion exposure rated for Arizona conditions
- Limits scaled from single custom homes to multi-unit commercial
Builder's Risk Insurance — FAQ
Common questions about builder's risk insurance
It depends on the contract. On many projects the owner or general contractor carries builder's risk, but when the contract puts it on you — or when there's ambiguity — an uninsured loss during construction can fall back on your company. We help you read the requirement and bind coverage so you're protected either way.
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.