Contractors Pollution Liability for spray foam contractors
The single most important policy a spray foam contractor can carry. Isocyanates are treated as pollutants — and your general liability almost certainly excludes them. CPL closes the gap that would otherwise put your business on the line.
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 tight structures
- Contractors who have been non-renewed over a vapor or odor claim
Why CCA
- This is the differentiator most agents can't place — we can
- Coverage 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 an absolute or near-absolute pollution exclusion, and isocyanates — the A-side of spray foam — are classified as pollutants. That means an off-gassing, odor, or indoor-air-quality claim from a homeowner can be denied under your GL. Contractors pollution liability exists specifically to cover this exposure, and for SPF contractors it's not optional in practice.
Yes — 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. Tell 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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