Blog & insights

Polyurea contractor insurance, decoded

Plain-English guides on the coverage that matters for coating operations — pollution liability, spray rig coverage, workers' comp for applicators, and the GL exclusions that catch contractors off-guard.

Why Standard GL Policies Don't Cover Polyurea Coating Work
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General LiabilityJune 8, 20265 min read

Why Standard GL Policies Don't Cover Polyurea Coating Work

Most general liability policies contain exclusions that remove coverage for polyurea and polyurethane coating operations. Here's what to look for — and how to fix it before a claim hits.

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Contractor Pollution Liability5 min read

Contractor Pollution Liability for Polyurea Applicators

Isocyanates and VOCs in polyurea coatings are classified as pollutants under most GL policies. Here's what contractor pollution liability covers — and why every coating contractor needs it.

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Workers Compensation5 min read

Workers' Comp for Polyurea and Coating Contractors

Coating applicator crews face chemical exposure, equipment hazards, and fall risks that standard contractor workers' comp policies aren't built to handle. Here's what proper coverage looks like.

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Tools & Equipment4 min read

Insuring Your Polyurea Spray Equipment

A proportioner failure or spray rig theft can sideline your operation for weeks. Here's how tools and equipment coverage works for polyurea applicators — and what gets left out of most policies.

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Applicator Liability5 min read

What Applicator Liability Covers for Polyurea Contractors

When a coating fails months after installation, standard GL completed-operations exclusions may leave you exposed. Applicator liability fills the gap — here's how it works.

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