Polyurea contractor insurance that protects the rig, the crew, and the coating operation.

Standard GL policies contain pollution exclusions that classify isocyanates and VOCs as 'pollutants' — removing coverage for fume exposure, chemical release, and related claims. They also often exclude 'chemical application' or 'products applied by the insured' as a business exclusion. Neither exclusion appears until a claim is denied.

Contractor Pollution Liability (CPL) covers third-party bodily injury, property damage, and cleanup costs from chemical releases, fume exposure, and VOC events during coating application. For polyurea and polyurethane contractors, CPL is essential — your GL pollution exclusion removes coverage for precisely the chemical exposure claims most likely to hit your operation.

Cost depends on coating types, annual revenue, spray equipment values, crew size and payroll, job types (industrial, commercial, residential), and loss history. Small residential applicators may pay a few thousand a year; large industrial operations with significant equipment and chemical exposure run more. We quote your actual operation in about 15 minutes.

Your spray proportioner, heated hose system, spray gun, generator, compressor, and support tools represent significant capital. Tools and equipment (inland marine) coverage insures them against theft, accidental damage, and breakdown — on and off the jobsite. We schedule spray rigs at their real replacement cost, not a depreciated cap.

Applicator liability covers claims arising from the coating product itself — delamination, adhesion failure, color inconsistency, or coating system performance after the job is complete. It addresses the completed-operations and products-liability exposure that GL was not designed to cover for specialty coating applicators.

Yes — under a properly structured workers' comp policy. Isocyanate sensitization, respiratory exposure, and other chemical-exposure injuries are compensable occupational disease claims. We class-code coating crews accurately so high-hazard chemical exposure is reflected in the rating.

Coating applicators typically fall under class codes for painting and wall covering contractors, specialty coating applicators, or hazardous-substance workers depending on state jurisdiction and job type. Correct classification matters: wrong codes mean overpayment, undercoverage, and audit surprises.

Yes — vehicles and trailers used on public roads need commercial auto. We cover spray rig pickup trucks, enclosed equipment trailers, and support vehicles. Hired and non-owned auto covers crew members using personal vehicles on coating jobs.

Most commercial and industrial projects require $2M, $5M, or higher liability limits. Standard GL maxes out at $1M per occurrence / $2M aggregate. A commercial umbrella adds excess limits above your GL, auto, and employers' liability — often required to even bid commercial and government coating projects.

Many states require a contractor license bond as a condition of licensing. Commercial and government projects also frequently require performance and payment bonds. We issue contractor license bonds fast and have markets for performance bonds on larger coating projects.

Standard GL can cover overspray property damage — but only if the policy isn't voided by a chemical-application or products exclusion first. We structure GL with endorsements that specifically address coating and overspray events so a property-damage claim doesn't get denied on a technicality.

The insurance exposure varies by application. Roof coatings add height-exposure and waterproofing-warranty risk. Industrial containment adds environmental release risk. Floor systems add completed-operations risk in occupied facilities. We tailor the program to the applications your operation actually performs.

Yes. Polyurethane foam insulation, spray polyurethane foam (SPF) roofing, and elastomeric coating contractors face nearly identical insurance challenges — isocyanate exposure, chemical exclusions, and spray equipment values. Our programs cover the full spectrum of elastomeric and spray coating applicators.

Often yes. We have admitted and excess-and-surplus (E&S) markets for contractors declined over chemical application, a prior overspray loss run, OSHA citations, or environmental exposure. Bring us what you have and we'll find a path.

A coating failure claim — delamination, adhesion failure, early degradation — is a completed-operations claim. It may come months or years after the job. Applicator liability and completed-operations coverage are specifically designed to handle these delayed claims. Without them, the GL completed-operations exclusion may apply.

Yes. Contractors Choice Agency is licensed in all 50 states and has markets for polyurea and coating contractors whether your operation is in Texas, Florida, Ohio, California, or anywhere in between.

Typically 15 minutes on a call. For larger programs with significant equipment values or complex chemical exposure, we may need a day or two to involve the right markets, but we move fast and tell you the timeline up front.

Usually yes. Bundling GL, pollution liability, tools & equipment, workers' comp, and auto into one coordinated program closes gaps between policies and is almost always cheaper and cleaner than separate policies from separate carriers.

Coating types (polyurea, polyurethane, elastomeric), annual revenue, spray equipment list and values, crew size and payroll, job types and typical project sizes, current coverage, and loss history. The more detail, the more accurate the quote — and we can work with what you have.