Blog & insights

Spray contractor insurance, decoded

Plain-English guides on the coverage that matters for spray applicators — GL, CPL, WC class codes, spray rig insurance, and multi-trade programs.

GL Insurance for Spray Contractors: What's Covered Across Every Trade
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General LiabilityJune 10, 20264 min read

GL Insurance for Spray Contractors: What's Covered Across Every Trade

General liability for spray contractors isn't one-size-fits-all. Here's what's actually covered — and what standard GL often excludes — across foam, polyurea, sealcoating, line striping, and EIFS.

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Pollution Liability4 min read

Contractor Pollution Liability for Spray Trades: VOC, Overspray, and Chemical Exposure

VOCs, chemical drift, and overspray incidents aren't covered by standard GL. Contractor pollution liability fills the gap — here's what spray contractors need to know.

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Commercial Auto5 min read

Spray Rig Insurance: What's Actually Covered and What Falls Through the Cracks

Your spray rig is your business. But insuring it right requires three separate coverage types — and most spray contractors are missing at least one piece.

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Workers Compensation5 min read

Workers' Comp Class Codes for Spray Contractors: Foam, Polyurea, Sealcoating

Wrong workers' comp class codes mean overpaying at audit — or worse, coverage disputes when a claim is filed. Here's how spray contractor WC classification actually works.

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Insurance Basics5 min read

Can One Policy Cover Multiple Spray Trades?

Running foam and polyurea? Sealcoating and line striping? Here's how multi-trade spray contractor insurance works — and where the gaps are.

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