We shop multiple carriers to find the best rate for your spray foam business.
Independent spray foam insurance broker comparing GL, workers' comp, equipment coverage, and pollution liability across multiple admitted and specialty markets — so you get the best rate and the right coverage for your operation. 15-minute quotes.
300+
Spray foam contractors insured — we've shopped the market for owner-operators, crews, and commercial applicators
NPN #8608479
Licensed all 50 states
- Licensed in all 50 states
- Founded 2005 — 20+ years
- Multiple carrier relationships
- 15-minute quote turnaround
- 2-hour claims response
- A.M. Best A+ carrier partners
We compare rates across multiple spray foam markets.
One broker, multiple carriers. We compare GL, WC, CPL, equipment, and auto rates so you know you're getting the best program — not just the first quote a single-carrier agent can write.
Not sure what you need? Get a coverage review →
One market vs. many — the difference a broker makes.
Most agents represent one or two carriers and quote what they have. A broker shops the full market — admitted and E&S — and compares policy forms, limits, exclusion structures, and pricing. For spray foam contractors with complex risks, that comparison matters.
Run by people who know contracting
Contractors Choice Agency was founded in 2005 by Josh Cotner, who came from the trades. We understand spray foam risks — overspray, isocyanate exposure, rig valuation, completed-operations tails — and we know which markets price them correctly.
Multiple carriers, not one quote
We shop admitted and E&S markets — comparing GL, WC, CPL, and equipment rates so you know the first quote isn't your only option.
CPL comparison across multiple markets
Contractors pollution liability rates and forms vary significantly by carrier. We compare isocyanate coverage structures and pricing to find the best CPL for your spray foam risk.
Inland marine compared at replacement cost
Some carriers offer ACV; others offer replacement cost. We compare rig coverage structures across markets so your proportioner is insured for what it actually costs to replace.
E&S access for hard-to-place risks
Been declined for GL or CPL? We have E&S market access for spray foam contractors others can't place — and we know how to present the risk to get a fair price.
Transparent comparison, no steering
We present what we found, explain the differences in plain English, and let you decide. No upselling the most expensive carrier — just an honest comparison.
Run by a former contractor
Josh Cotner knows how contractor operations work — and what a coverage gap costs at claim time. That's why we shop the market instead of presenting one price.
From quote request to bound policy in about a day.
No one-quote brokers. We shop the full market — admitted, specialty, and E&S — compare policy forms and pricing, and present the best options with a clear explanation of what differs.
Tell us about your operation
15-min call or form. Crew size, rig and equipment value, types of jobs, states you work in, current carrier, and loss history — the more detail, the better the comparison.
We shop multiple markets
Admitted and specialty carriers, E&S markets where needed. We compare GL, WC, CPL, inland marine, and auto rates across the carriers that understand spray foam.
We present the comparison
Real quotes from multiple carriers, with a clear explanation of what differs — rate, form, exclusions, and limits. You choose what fits your operation best.
Bind and stay covered
We bind the program and stay on call for certificates, endorsements, and claims. 2-hour response when a loss arrives.
Or call 844-967-5247 — usually answered live.
Spray foam broker coverage. All 50 states.
From Texas and Florida to the Midwest, Northeast, and Pacific West, we shop multiple carriers for spray foam contractors in every state — admitted and E&S markets, all lines.
- Texas — Houston, Dallas, statewide — one of the largest spray foam markets
- Florida — Tampa, Orlando, statewide — high-humidity construction demand
- Southeast — GA, NC, SC, AL — growing new-construction spray foam market
- Midwest — OH, IN, MI, IL — cold-climate demand for spray foam insulation
- Southwest — AZ, NM, NV — desert heat and commercial retrofit market
- Mountain West — CO, UT, ID — high-altitude and cold-climate application
- Northeast — NY, PA, NJ, New England — dense construction markets
- Pacific West — CA, OR, WA — strict isocyanate regulations and environmental rules
National brokerage for spray foam contractors.
Comparing spray foam programs across markets since 2005.
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Spray foam contractors insured nationwide
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Years brokering specialty contractor coverage
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Average quote turnaround
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States licensed & writing
Contractors who let a broker shop the market for them.
“My previous broker sent me one quote and called it a market. This broker shopped five carriers, explained the differences in the policy forms, and saved me nearly $3,000 on GL and WC — with better completed-operations coverage than I had before.”
Marcus T.
Owner / Applicator · Texas
“I'd been declined twice for GL because of chemical exposure. They went to E&S markets I didn't even know existed, got three competing quotes, and placed a policy with real CPL included — in less than a week.”
Denise R.
Operations Manager · Florida
“The broker comparison on my inland marine was eye-opening. Three carriers quoted the same rig at replacement cost but with completely different deductibles and breakdown endorsements. They explained each one and let me choose — that's what a broker should do.”
Kevin W.
Spray Foam Contractor · Ohio
Spray foam insurance brokerage, in plain English.
An agent typically represents one or a few carriers and quotes what they have. An independent broker shops multiple carriers on your behalf — comparing rates, policy forms, and exclusion structures to find the best program. For spray foam contractors with complex risks, the broker comparison often saves significant money and finds better coverage.
Spray foam insurance is complex — overspray GL, isocyanate CPL, replacement-cost rig coverage, and high-hazard WC all require specialty markets. A broker knows which carriers price those risks fairly and can compare them. Going direct to one carrier means one price and one policy form — with no way to know if it's competitive.
We have relationships with multiple admitted and E&S markets that write spray foam GL. The number varies by state and risk profile — typically 3–6 competing quotes for a standard spray foam operation, more for hard-to-place risks.
Not typically. Brokers are compensated through carrier commissions like agents. Shopping multiple markets usually saves money compared to a single-carrier quote — the comparison itself is what you pay for with a broker, not an additional fee.
Yes. CPL rates and forms vary significantly — claims-made vs. occurrence, isocyanate coverage structure, limits, and pricing all differ by carrier. We compare across the markets we have access to and explain what differs in plain English.
Yes. WC rates for spray foam applicators vary by carrier and state. We shop multiple markets — including state funds, assigned risk, and specialty admitted carriers — to find the best rate for your crew and class codes.
Often yes. E&S markets write risks that standard carriers decline. If you've been declined for GL, CPL, or WC over chemical exposure, a prior loss run, or high-hazard work, bring us what you have and we'll find a market.
Not significantly. For most spray foam operations, we complete our carrier shopping and have quotes ready in 15 minutes to a few hours. Hard-to-place accounts may take longer, but we tell you the timeline up front.
Crew size and payroll, annual revenue, rig and equipment list with values, types of jobs (residential/commercial/industrial), states worked in, current carrier, and loss history. The more detail, the more accurate the comparison.
Both. We compare rates and policy forms — specifically the exclusion structure for overspray, pollution coverage for isocyanates, and replacement cost vs. ACV on equipment. A lower rate with a worse form often costs more at claim time.
Yes — that's one of the primary advantages of using a broker. E&S markets write risks that standard carriers decline, and access to those markets is what a broker like us brings to the table for spray foam contractors with complex risks.
Yes. We evaluate whether a package or standalone approach saves you more — both on premium and on coverage structure. Some spray foam operations are better served by a package; others need standalone specialty policies for key lines.
Yes. We coordinate GL, WC, and commercial auto across state lines — ensuring your program doesn't have gaps when you work outside your home state. We also know which carriers handle multi-state spray foam work cleanly.
Yes. Contractors Choice Agency is licensed in all 50 states and has admitted and E&S market access for spray foam operations nationwide.
Typically 15 minutes to a few hours for standard spray foam operations. Hard-to-place risks or operations with complex exposures may take longer. We set expectations up front and move fast.
Admitted carriers are licensed in the state and regulated by the state insurance department. E&S (excess and surplus) carriers write risks that admitted markets decline and are subject to different regulatory requirements. We use admitted markets first; E&S for risks that need it.
We explain the differences. Rate, form, exclusions, limits, carrier rating — we present what we found and walk you through what matters for your specific spray foam operation.
Yes. Umbrella and excess rates vary by underlying carrier and coverage structure. We shop excess markets to find the best rate for the limits your jobs and contracts require above primary policies.
Yes. High-hazard applications, operations with prior losses, and contractors declined by standard carriers are where a broker's E&S market access matters most. We present your risk fairly to get the most competitive terms available.
It depends on what each market offers. We compare bundle vs. standalone approaches and recommend what makes sense for your operation — both on premium and on coverage coordination at claim time.
Let a Broker Shop the Market for your spray foam business.
Whether you need GL today or a full program comparison — WC, rig coverage, CPL, and auto — one call gets you real quotes from multiple specialty markets. Not a single-carrier quote and a take-it-or-leave-it price.
No obligation. No spam. Licensed all 50 states.