Commercial Umbrella for polyurea contractors

When a covered claim exhausts your primary GL per-occurrence limit, the umbrella kicks in and covers the excess up to its own limit. The umbrella also typically triggers over your commercial auto and employers' liability policies.

Yes — umbrella can sit on top of GL alone, though carriers generally want to see GL and auto at minimum. We structure the umbrella to coordinate with your existing primary program so there are no gaps in how it triggers.

Umbrella is usually the most cost-efficient way to reach high per-occurrence limits. A $1M umbrella typically costs a fraction of what it would cost to raise your primary GL limit by $1M. For contractors who need $5M total, umbrella is almost always the right answer.

Cost is driven by coating types, annual revenue, spray equipment values, crew size and payroll, job types, and loss history. We quote your actual operation in about 15 minutes — never a ballpark from a generic contractor form.

Yes. Contractors Choice Agency is licensed in all 50 states and writes polyurea programs for coating contractors nationwide — Texas, Southeast, Midwest, Northeast, California, Mountain States, and everywhere in between.

Typically 15 minutes on a call. Larger or more complex programs may take a day or two to place with the right markets, but we move fast and set expectations up front.

Often yes. We have admitted and E&S markets for contractors declined over chemical application, prior loss runs, OSHA citations, or environmental exposure. Bring us your situation and we'll find a market.

Usually yes. A coordinated program closes gaps between policies and is typically cheaper than separate policies from separate carriers — and far easier to manage at claim time.

A.M. Best ratings reflect a carrier's financial strength and ability to pay claims. We place coverage with A-rated carriers so the coverage is there when a chemical exposure claim, an equipment loss, or a pollution incident hits.

Yes. SPF roofing, spray polyurethane foam insulation, and elastomeric coating contractors face nearly identical risks to polyurea applicators — isocyanate exposure, chemical exclusions, and spray equipment values. We cover the full spectrum.

Spray proportioners, heated hose systems, and spray guns are scheduled at their real replacement cost — not a depreciated cap. Proper individual scheduling is what ensures an equipment loss claim pays what the rig was actually worth.

Coating types, annual revenue, spray equipment list and values, crew size and payroll, job types (industrial, commercial, residential), current coverage, and loss history. The more detail, the more accurate the quote.

It can, with the right endorsements. Standard GL often excludes chemical application or products damage. We structure GL so overspray property damage is covered — not denied on a technicality.

Subcontractors have different exposure — you may need to be named on a GC's policy and carry your own GL and pollution liability. We structure programs for both prime contractors and subs, including additional insured endorsements for project owners and GCs.

Completed-operations and applicator liability cover claims that arise after a job is done — delamination, adhesion failure, early degradation. These are specifically designed for the long-tail risk in coating contracting.

Yes. If your operation spans multiple locations or you run concurrent projects in different states, we build one coordinated program covering all locations and mobile operations with no gaps.

Yes. Contractors who supply, mix, and apply their own coating materials carry product liability in addition to applicator liability. We build programs that cover both the manufacturing/supply and the application exposure.