Insurance built for spray foam rigs — proportioners, hose, guns, and rig trucks.
Inland marine at replacement cost, equipment breakdown for the proportioner, business auto for the rig truck, theft coverage off the trailer, and CPL for isocyanate exposure — a complete program for spray foam rigs and the contractors who operate them. A-rated carriers. 15-minute quotes.
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Spray foam rigs and operations insured — owner-operators, commercial applicators, rig fleets
NPN #8608479
Licensed all 50 states
- Licensed in all 50 states
- Founded 2005 — 20+ years
- Spray foam rig specialists
- 15-minute quote turnaround
- 2-hour claims response
- A.M. Best A+ carrier partners
Coverage built specifically for spray foam rigs and equipment.
Your rig is your business. Standard contractor policies treat it as an afterthought — ACV instead of replacement cost, no breakdown coverage, and gaps between auto and equipment. We build programs designed for spray foam rig operations.
Not sure what you need? Get a coverage review →
The coverage gaps that cost spray foam rig owners the most.
Most agents schedule your rig on a standard inland marine form at ACV — and call it done. Then the proportioner gets stolen, or a compressor burns out, or the truck policy doesn't cover what's in the trailer. We build rig insurance that covers the whole exposure.
Run by people who know contracting
Contractors Choice Agency was founded in 2005 by Josh Cotner, who came from the trades. We understand what spray foam rigs cost, why replacement cost matters, and what happens when a proportioner failure or rig theft exposes a gap in coverage.
Inland marine at replacement cost — not ACV
A 5-year-old proportioner at ACV pays a fraction of replacement cost. We schedule every rig at replacement cost so a theft or damage claim pays what it costs to get back to work.
Equipment breakdown for the proportioner
Standard inland marine doesn't cover internal failure. Equipment breakdown covers compressor burnout, motor failure, and electrical faults — the mechanical failures that put a rig out of service.
Theft off the trailer — not just the vehicle
Many auto and equipment policies exclude theft from a trailer or jobsite. We write theft coverage that follows the rig wherever it sits — overnight, on the jobsite, or in transit.
Business auto that coordinates with inland marine
The rig truck and the rig need to be covered in a coordinated program. We build commercial auto that works alongside your inland marine so there's no gap when the truck and rig are separated.
CPL for isocyanate exposure from rig operation
Standard GL excludes chemical exposure. CPL covers respiratory and chemical-release claims that arise from rig operation — the pollution exposure that comes with every spray foam job.
Run by a former contractor
Josh Cotner knows how contractor operations work and what happens when rig coverage fails at claim time — in the field and on the jobsite.
From quote request to bound policy in about a day.
No generic equipment schedules. We build rig coverage around your actual proportioner value, hose system, and truck — at replacement cost, with breakdown where you need it.
Tell us about your rig
15-min call or form. Proportioner make/model/value, hose footage, trailer or truck-mount, rig truck details, crew size, and the coverage gaps your current policy has.
We shop specialty equipment markets
Specialty inland marine markets that understand spray foam rig values — not generic equipment floaters that cap coverage at ACV.
Bind a program built for your rig
Inland marine at replacement cost + breakdown + rig truck auto + GL and CPL, coordinated so there are no gaps between what the rig is worth and what your policy pays.
Claims support that moves fast
When a theft, breakdown, or rig-truck claim arrives, you reach a person who knows your rig — not a queue. 2-hour response.
Or call 844-967-5247 — usually answered live.
Spray foam rig insurance. All 50 states.
From Texas and Florida to the Midwest, Northeast, and Pacific West, Contractors Choice Agency places spray foam rig insurance in every state where spray foam contractors operate.
- Texas — Houston, Dallas, statewide — one of the largest spray foam rig markets
- Florida — Tampa, Orlando, statewide — high-theft environments, hurricane exposure
- Southeast — GA, NC, SC, AL — growing residential and commercial spray foam market
- Midwest — OH, IN, MI, IL — year-round rig operation in cold climates
- Southwest — AZ, NM, NV — desert heat and UV exposure for rigs
- Mountain West — CO, UT, ID — high-altitude cold-climate rig operation
- Northeast — NY, PA, NJ, New England — dense markets, high rig values
- Pacific West — CA, OR, WA — strict isocyanate rules, high equipment values
National coverage for spray foam rigs.
Writing spray foam rig programs in all 50 states since 2005.
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Spray foam rigs and operations insured nationwide
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Years insuring specialty contractor equipment
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Average quote turnaround
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States licensed & writing
Contractors who got their rig covered correctly.
“My proportioner and heated hose were stolen off the trailer overnight — a $60,000 loss. My inland marine was at ACV and paid maybe 60% of replacement cost. Spray Foam Rig Insurance put me on replacement cost and I've never looked back.”
Marcus T.
Owner / Applicator · Texas
“The proportioner had a compressor failure mid-job. My property policy said 'not covered — that's a breakdown.' The equipment-breakdown endorsement paid the repair and two days of business interruption. That's why rig coverage needs both lines.”
Denise R.
Operations Manager · Florida
“I thought my rig was covered under my commercial auto. It wasn't — the auto covers the truck; the equipment on the trailer needs inland marine. Found out when someone broke into my trailer. Now everything's on a scheduled inland marine at replacement cost.”
Kevin W.
Spray Foam Contractor · Ohio
Spray foam rig insurance, in plain English.
A spray foam rig typically needs inland marine at replacement cost (for the proportioner, heated hose, spray guns, and trailer), equipment breakdown coverage (for mechanical or electrical failures), commercial auto for the rig truck, theft coverage, general liability (GL), contractors pollution liability (CPL) for isocyanate exposure, and workers' comp for the crew. Most rig operators bundle these into one coordinated program.
Cost depends on proportioner make/model and value, hose footage and system type, rig truck details, crew size, types of jobs, states worked in, and loss history. We quote your specific rig in about 15 minutes — never a generic estimate.
No. Commercial auto covers the truck or van — not the equipment in the trailer. The proportioner, heated hose, spray guns, and drum heaters need inland marine (equipment floater) coverage. This is the most common coverage gap we find for spray foam rig operators.
Inland marine is the insurance form built for equipment that moves from place to place — exactly what a spray foam rig does. It covers the proportioner, hose system, spray guns, and trailer against theft, damage in transit, and accidental damage on the jobsite.
Replacement cost — always. ACV pays today's depreciated value, which for a 5-year-old proportioner might be 40–60% of what a new one costs. A rig at ACV after a theft often leaves the owner with a check that doesn't cover a replacement. We insure rigs at replacement cost.
Equipment breakdown (also called boiler & machinery) covers internal mechanical or electrical failure — compressor burnout, motor failure, electrical faults. Standard inland marine covers external causes (theft, transit damage, fire) but excludes mechanical failure. A broken proportioner without breakdown coverage is an uncovered loss.
Only if the policy is written correctly. Many inland marine and auto forms specifically exclude theft from a trailer or unattended jobsite. We confirm the policy covers theft wherever the rig sits — not just theft of the entire truck and trailer.
Yes. Rig coverage (inland marine, breakdown, auto) addresses the physical equipment and the truck. GL covers third-party bodily injury and property damage — including overspray damage during the job. You need both to cover the full exposure of spray foam rig operation.
CPL covers chemical releases and respiratory exposure claims from isocyanate application — the exposure that standard GL excludes via the pollution exclusion. Every spray foam rig creates chemical exposure on every job. CPL fills the gap GL can't cover.
Under a properly written inland marine policy with theft coverage, yes. We confirm the form covers theft from a storage yard, shop lot, or anywhere else the rig is kept — not just theft from an active jobsite.
Yes. Truck-mounted rigs are covered under inland marine just like trailer-mounted rigs — scheduled at replacement cost for the proportioner, hose system, and mounted equipment. The mounting method affects how the auto and inland marine coordinate, which we handle in the program structure.
Not under standard inland marine. A proportioner failure from internal mechanical or electrical fault needs equipment breakdown coverage. Without it, the repair cost and lost time on the job are out of pocket. With breakdown, the repair and often lost-income consequences are covered.
Yes — they should be scheduled on the inland marine along with the proportioner. Heated hose footage and spray gun count affect the schedule value. We make sure every component of the rig system is on the schedule at replacement cost, not just the proportioner unit.
Yes. We build scheduled inland marine programs for rig fleets — covering each unit at replacement cost — along with coordinated rig truck auto and breakdown programs for multi-rig operations.
Yes. Contractors Choice Agency is licensed in all 50 states and has markets for spray foam rig operations whether your rig works in Texas, Florida, the Midwest, or anywhere in between.
Typically 15 minutes on a call. We need proportioner make/model/value, hose footage, trailer or truck-mount, rig truck details, crew size, and loss history. The more detail, the faster the quote.
Serial numbers, make/model, equipment list with replacement cost values, purchase records, and a police report. We help you build an equipment schedule up front so a theft claim is paid quickly at full replacement cost — not estimated at a fraction of value.
Yes — commercial auto covers the truck's liability and physical damage. The equipment in the truck or trailer is separate (inland marine). We coordinate both so the truck and the rig are both covered when an accident happens on the way to a job.
Yes. Financed rigs typically require inland marine at replacement cost with the lender named as loss payee. We set up the program to meet lender requirements and notify the loss payee in the event of a claim.
Usually yes. Bundling inland marine, breakdown, auto, GL, and CPL into one coordinated program closes gaps between policies and is almost always cheaper and simpler than separate policies from separate carriers. And one agent knows your full exposure picture at claim time.
Protect Your Spray Foam Rig at replacement cost.
Whether you need inland marine today or a full program — breakdown, rig truck auto, theft protection, GL, and CPL — one call gets you real quotes from specialty markets that understand spray foam rigs. Not a generic equipment form with ACV.
No obligation. No spam. Licensed all 50 states.