# Spray Foam Insurance

> Specialized insurance agency serving spray foam insulation contractors across all 50 US states. Founded by Josh Cotner with an SPF-only focus. Offers general liability, workers' compensation, commercial auto, environmental liability, surety bonds, and rig & equipment coverage tailored to the unique risks of the spray polyurethane foam industry.

## Site

- [Home](https://sprayfoaminsurance.com/): Overview of spray foam contractor insurance — coverages, why choose us, testimonials, and FAQ.
- [Get a Free Quote](https://sprayfoaminsurance.com/quote/): Request a customized insurance quote for your SPF contracting business.
- [About Us](https://sprayfoaminsurance.com/about-us/): Learn about Josh Cotner and the Spray Foam Insurance team.
- [Contact](https://sprayfoaminsurance.com/contact-us/): Reach the team by phone (844-967-5247) or email (josh@sprayfoaminsurance.com).

## Coverage Types

- [All Services](https://sprayfoaminsurance.com/services/): Overview of all insurance products for spray foam contractors.
- [General Liability Insurance](https://sprayfoaminsurance.com/services/general-liability-insurance/): Third-party bodily injury, property damage, and overspray incident coverage specific to SPF operations.
- [Workers' Compensation](https://sprayfoaminsurance.com/services/workers-compensation-insurance-for-spray-foam-contractors/): Coverage for on-the-job injuries including chemical exposure from isocyanates and other SPF chemicals.
- [Commercial Auto Insurance](https://sprayfoaminsurance.com/services/commercial-auto/): Coverage for spray foam rigs, box trucks, and company vehicles.
- [Environmental Liability](https://sprayfoaminsurance.com/services/environmental-liability/): Pollution coverage for chemical spills, overspray contamination, and off-gassing claims.
- [Surety Bonds](https://sprayfoaminsurance.com/services/surety-bonds/): Performance, payment, and license bonds for public contracts and state licensing.
- [Rig & Equipment / Inland Marine](https://sprayfoaminsurance.com/inland-marine/spray_foam_rig_insurance/): Specialized coverage for proportioners, generators, spray rigs, and mobile equipment on-site and in transit.

## Resources & Education

- [SPF Resources](https://sprayfoaminsurance.com/spf-resources/): Guides, checklists, and safety materials for spray foam operations.
- [Work Record Form](https://sprayfoaminsurance.com/spf-resources/work-record-form/): Downloadable job documentation template for SPF contractors.
- [Safety & Compliance Support](https://sprayfoaminsurance.com/safety-and-compliance-support/): OSHA compliance guidance and safety resources for spray foam contractors.
- [Attic Insulation Certificate](https://sprayfoaminsurance.com/attic-insulation-certificate/): Certificate resource for attic insulation jobs.
- [Blog / Insurance Insights](https://sprayfoaminsurance.com/blog/): Articles covering spray foam insurance topics.

## Key Blog Articles

- [Does Insurance Cover Overspray Damage?](https://sprayfoaminsurance.com/2023/09/24/does-insurance-cover-overspray-damage/)
- [Can I Get Coverage for Mold and Mildew Claims?](https://sprayfoaminsurance.com/2023/09/24/can-i-get-coverage-for-mold-and-mildew-claims/)
- [Do I Need Insurance If I Subcontract Work?](https://sprayfoaminsurance.com/2023/09/24/do-i-need-insurance-if-i-subcontract-work/)
- [Is My Equipment Covered?](https://sprayfoaminsurance.com/2023/09/24/is-my-equipment-covered/)
- [What Are the Insurance Requirements for Large Commercial Projects?](https://sprayfoaminsurance.com/2023/09/24/what-are-the-insurance-requirements-for-large-commercial-projects/)
- [What Factors Affect Insurance Premiums?](https://sprayfoaminsurance.com/2023/09/24/what-factors-affect-insurance-premiums/)
- [Do I Need Special Coverage for Roofing Projects?](https://sprayfoaminsurance.com/2023/09/24/do-i-need-special-coverage-for-roofing-projects/)
- [Is Retrofitting Insurance Available for Spray Foam Contractors?](https://sprayfoaminsurance.com/2023/09/24/is-retrofitting-insurance-available-for-spray-foam-contractors/)
- [How Does Insurance Protect My Clients?](https://sprayfoaminsurance.com/2023/09/24/how-does-insurance-protect-my-clients/)
- [Spray Foam Equipment Financing: Building Strong Banking Relationships](https://sprayfoaminsurance.com/2025/07/04/spray-foam-equipment-financing-building-strong-banking-relationships/)

## Business Details

- **Agency:** Spray Foam Insurance (Contractors Choice Agency)
- **Founder:** Josh Cotner, SPF-only insurance focus
- **Phone:** 844-967-5247
- **Email:** josh@sprayfoaminsurance.com
- **Service Area:** All 50 United States
- **Carrier Partners:** A-rated national carriers
- **Specialization:** Spray polyurethane foam (SPF) insulation contractor insurance exclusively
- **Key Differentiators:** Same-day certificates of insurance, SPF-specific policy language, overspray coverage included, claims advocacy