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Insurance built line-by-line for spray contractors.

Each policy below addresses a specific exposure in spray contracting — from the GL that covers overspray to the CPL that fills the pollution exclusion gap your standard policy leaves open.

Essential coverage

General Liability for Spray Contractors

The foundational coverage every spray contractor needs. Protects against third-party bodily injury and property damage claims arising from overspray, completed operations failures, and on-site incidents across all spray trades — foam, polyurea, sealcoating, line striping, coatings, and EIFS.

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Contractor Pollution Liability

Standard GL excludes most pollution claims. CPL fills the gap — covering VOC drift, chemical exposure, overspray to adjacent property, coal tar sealcoating liability, and environmental cleanup costs specific to spray trade operations.

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Workers' Compensation

Coverage for the real injury patterns in spray work — respiratory exposure, chemical burns, fall hazards on roofs and scaffolding, and equipment accidents. We use the correct class codes for foam applicators, polyurea crews, sealcoating operators, and line stripers.

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Commercial Auto & Spray Rigs

Coverage for your spray rigs, proportioner trucks, service vehicles, and tow vehicles on public roads — including hired and non-owned auto. Built for the mobile nature of spray contractor operations across multiple job sites.

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Tools & Equipment

Inland marine coverage for the expensive portable equipment spray contractors depend on — proportioners, spray guns, heated hoses, transfer pumps, generators, and application equipment — whether on a job site, in transit, or at your shop.

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Commercial Umbrella

Extends your GL and commercial auto limits when a large overspray claim, completed-operations lawsuit, or multi-party incident exceeds your base policy. Essential for spray contractors working on commercial projects or multi-family structures.

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Inland Marine Coverage

Broad-form inland marine for your spray rigs, proportioners, compressors, generators, and specialty application equipment — covering theft, damage, and breakdown whether the equipment is at a job site, being transported, or stored at your yard.

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Not sure which lines you need?

Most spray contractors bundle GL + CPL + workers' comp + commercial auto into one coordinated program. We'll build the right mix in one call.

Get a free quote844-967-5247