TradeGuardInsulation subcontractor insurance requirements
What a general contractor should require from a insulation subcontractor before they set foot on site, and the coverage gap that most often turns a insulation job into the GC's claim.
Why insulation insurance matters
Spray-foam is a chemical/fire and air-quality exposure; all insulation work carries confined-space and combustibility risk.
What to require from a insulation sub
General liability, workers' comp, and, for spray foam, confirmation that pollution/chemical exposure isn't excluded.
Usually unlicensed as a trade; spray-foam applicators may hold manufacturer certifications.
For spray-foam scopes, contractors pollution liability or a chemical-application endorsement.
A pollution exclusion that removes coverage for spray-foam off-gassing and misapplication claims.
Most of these gaps come down to one thing: additional insured status and the right endorsement.
General information, not legal or insurance advice; confirm requirements with your broker and the terms of your subcontract.
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Insulation insurance FAQ
What insurance should a insulation subcontractor carry?+
At minimum, General liability, workers' comp, and, for spray foam, confirmation that pollution/chemical exposure isn't excluded.
Do insulation subcontractors need a license?+
Usually unlicensed as a trade; spray-foam applicators may hold manufacturer certifications. Always confirm the requirement in the state and locality where the work happens.
What's the most common COI gap on insulation work?+
A pollution exclusion that removes coverage for spray-foam off-gassing and misapplication claims.
Other trades
Requirements also vary by state; see insurance requirements by state.