Coverage lines

Insurance built line-by-line for spray foam rigs.

Each coverage line below addresses a specific exposure in spray foam rig operation — from the inland marine that insures the proportioner at replacement cost to the breakdown coverage that pays when a compressor fails on the job.

Essential coverage

Inland Marine — Rig & Equipment

Inland marine is the core of spray foam rig insurance. We schedule your proportioner, reactor, heated hose, spray guns, drum heaters, and the trailer they ride in at replacement cost — covering theft, vandalism, damage in transit, and accidental damage on the jobsite.

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Equipment Breakdown

Equipment breakdown (boiler & machinery) covers what inland marine does not — internal mechanical or electrical failure of the proportioner, heated hose system, compressors, and auxiliary equipment when a motor burns out or a component fails on the job.

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Business Auto — Rig Trucks

The pickup, van, or truck hauling your spray foam rig to the job needs commercial auto — not personal auto. We place business auto for rig transport vehicles, including liability, physical damage, hired and non-owned auto, and coordinated with inland marine for the rig.

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Theft & Vandalism

Spray foam rig theft is one of the most common and costly equipment losses. We write theft coverage that protects your rig whether it's stolen from a jobsite, lifted off a trailer overnight, or taken from a storage yard — not just theft of the entire vehicle.

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Replacement Cost Coverage

Many rig policies pay actual cash value — a fraction of what a new proportioner costs after depreciation. We place inland marine at replacement cost so a theft, fire, or damage claim pays what it actually takes to get a new rig back on the job.

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General Liability

Rig coverage doesn't exist in a vacuum. We bundle GL that covers overspray damage, third-party bodily injury, and completed-operations claims with your inland marine and auto — so your full spray foam operation is covered in one coordinated program.

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Workers' Compensation

Spray foam rig operators face chemical exposure, equipment injury risk, and height exposure on every job. We place WC with class codes that fit rig operators and spray foam applicators — not generic construction codes.

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Contractors Pollution Liability

Standard GL excludes isocyanate and chemical exposure through the pollution exclusion. Contractors pollution liability fills that gap for spray foam rig operators — covering respiratory exposure, chemical releases, and off-gassing claims that arise from rig operation.

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Not sure which lines you need?

Most spray foam rig operators bundle inland marine + breakdown + commercial auto + GL into one coordinated program. We'll build the right mix in one call.

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