Coverage lines

Insurance built line-by-line for polyurea contractors.

Each policy below addresses a specific exposure in polyurea coating work — from the GL that covers on-site accidents to the contractor pollution liability that handles isocyanate and VOC exposure your standard policy excludes.

Essential coverage

General Liability for Polyurea Contractors

Essential protection for polyurea coating contractors against third-party bodily injury and property damage claims. Covers on-site accidents, overspray damage, completed-operations claims, and the certificates every general contractor and client requires before you start a job.

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Contractor Pollution Liability

Polyurea and polyurethane coatings contain isocyanates and VOCs that standard GL policies exclude as pollutants. Contractor Pollution Liability covers third-party bodily injury, property damage, and cleanup costs from chemical releases and fume exposure during application.

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Tools & Equipment Coverage

Covers your polyurea spray equipment — proportioners, heated hose systems, spray guns, generators, compressors, and support tools — against theft, accidental damage, and breakdown on and off the jobsite. Purpose-built for the high-value spray rigs applicators depend on.

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Workers' Compensation

Coverage for the real injury patterns in polyurea coating work — isocyanate sensitization, respiratory exposure, slip and fall on coated surfaces, spray equipment injuries, and heat stress. Proper class codes for coating applicator crews and labor.

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Commercial Auto & Spray Rigs

Coverage for the spray rig trucks, enclosed trailers, pickup trucks, and support vehicles you run on public roads — including hired and non-owned auto when crew members use personal vehicles on coating jobs.

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Commercial Umbrella

Provides excess liability limits above your GL, auto, and employers' liability policies. Essential for polyurea contractors working on large commercial, industrial, or government projects where contract requirements demand $2M, $5M, or higher limits.

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Applicator Liability Coverage

Covers claims arising from the polyurea or coating product itself — delamination, adhesion failure, color mismatch, or coating system failures after the job is complete. Addresses the completed-operations and products exposure that general liability leaves exposed.

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Contractor License & Surety Bonds

Contractor license bonds required by state licensing boards, and performance and payment bonds for larger commercial and government coating projects. Fast issuance with markets that understand specialty coating contractors.

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Not sure which lines you need?

Most polyurea contractors bundle GL + pollution liability + tools & equipment + workers' comp into one coordinated program. We'll build the right mix in one call.

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