Coverage

Pollution Liability Insurance for Foam Lifting Contractors

The most common coverage gap for spray foam lifting contractors is the pollution exclusion buried in standard GL policy forms. When foam migrates beyond the intended area, causes chemical-related property damage, or results in third-party exposure claims, standard GL often denies coverage on pollutant grounds. Pollution liability coverage closes that gap.

What's Covered

Covers polyurethane foam as a covered pollutant
Third-party bodily injury from chemical exposure
Third-party property damage from foam migration
Completed operations pollution coverage
Defense costs within or outside policy limits
Emergency response cost coverage
Retroactive coverage available for prior operations
Available as standalone policy or GL endorsement

Common Claims

→Foam migrates under neighboring slab and causes cracking
→Client or neighbor claims chemical exposure from foam vapors
→Foam expansion causes unintended structural damage
→Regulatory action related to foam discharge

Typical Limits

$500K to $2M per occurrence; $1M to $5M aggregate

Get a Quote for Pollution Liability

Our specialists will review your operation and put together a policy that fits your specific exposure—within one business day.

Request Free Quote

Other Coverages

General Liability

Protect your business from third-party bodily injury and property damage claims arising from your concrete lifting operations.

Workers Compensation

Cover your crew for on-the-job injuries with workers comp designed for the physical demands of concrete lifting and leveling work.

Commercial Auto

Protect your fleet and mobile equipment—trucks, trailers, and concrete lifting rigs—with commercial auto coverage built for contractor operations.