General Liability for spray foam rigs
GL that covers overspray damage, third-party bodily injury, and completed-operations claims from spray foam rig operation — bundled with inland marine and auto to complete the rig coverage program.
What it covers
- Overspray damage to surfaces, finishes, and adjacent property
- Third-party bodily injury during and after rig operation
- Completed-operations claims arising after the job is done
- Defense costs and legal fees
- Additional insured coverage for general contractors and owners
Who it's for
- Any spray foam rig operator (GL is required for most jobs)
- Contractors required to carry GL by general contractor contracts
- Rig operators whose GL excludes completed operations or overspray
- Spray foam operations that need GL and rig coverage in one program
Why CCA
- GL structured with completed operations for the spray foam claim tail
- Overspray damage addressed — not excluded
- Coordinated with inland marine and auto so there are no gaps
Common questions about general liability
GL covers third-party property damage and bodily injury — including overspray damage during the job. The physical rig itself is covered by inland marine; damage to other people's property from rig operation is GL.
Yes. Inland marine, breakdown, and auto cover the rig and the truck. GL covers what happens to other people's property and persons during and after the job. Both are necessary for a complete spray foam rig insurance program.
Completed-operations coverage extends GL after the job is done. Spray foam failures and adhesion claims often surface months after application. Your GL needs a completed-operations component for those delayed claims.
Cost is driven by proportioner value, hose footage, rig truck details, crew size, and loss history. We quote your specific rig in about 15 minutes — never a generic estimate.
Yes. Contractors Choice Agency is licensed in all 50 states and writes spray foam rig programs nationwide — Texas, Florida, the Midwest, Southeast, Northeast, and everywhere spray foam contractors operate.
Typically 15 minutes on a call. We need proportioner make/model/value, hose system details, rig truck info, crew size, and loss history.
Often yes. We have specialty and E&S markets for rig operators with prior theft, equipment damage, or loss history. Bring us your situation and we'll find a market.
Usually yes. A coordinated program — inland marine, breakdown, auto, GL, CPL — closes gaps between policies and is typically more cost-effective than separate policies from separate carriers.
A.M. Best ratings reflect a carrier's financial strength and ability to pay claims. We place rig coverage with A-rated carriers so the coverage is there when a theft, breakdown, or rig-truck claim hits.
Yes. We build scheduled inland marine programs for rig fleets, covering each unit at replacement cost with coordinated auto and breakdown coverage.
Yes. Inland marine follows the rig; commercial auto coordinates across states. We build programs so your rig is covered wherever it operates.
Proportioner make/model/year/value, heated hose footage, spray gun count, trailer or truck-mount, rig truck year/make/model, crew size, types of jobs, states you work in, current coverage, and loss history.
Under a properly written inland marine policy with theft coverage, yes. We confirm the form covers theft from storage — not just theft from active jobsites.
It should — proportioner, heated hose, spray guns, drum heaters, and the trailer. We schedule every component at replacement cost so a loss on any part of the system is fully covered.
Yes for most rig operators. A proportioner compressor failure without breakdown coverage is a major out-of-pocket expense. Breakdown coverage is relatively inexpensive compared to the cost of a proportioner repair.
Yes. Financed rigs need replacement-cost inland marine with the lender named as loss payee. We set up the program to meet lender requirements.
Yes — typically same-day for standard requests. General contractor and project-owner requirements are routine for us.
Pair it with related coverage
Ready to insure your spray foam rig at replacement cost?
Get a 15-minute quote from a specialist who understands spray foam rigs — proportioner and hose values, breakdown exposure, rig truck auto, and theft off the trailer.