Industrial Coating Contractor Insurance Coverage

CPL covers pollution conditions arising from your coating work — VOC and solvent fume migration, coating material spills, chemical disposal issues, and third-party bodily injury from chemical exposure. It covers cleanup costs and third-party claims that GL's pollution exclusion excludes.

If you could face a claim for coating system failure — delamination, premature degradation, adhesion failure, or specification non-compliance — you need professional liability (E&O). Floor coating contractors, anti-corrosion specialists, and any coating contractor guaranteeing performance should carry E&O coverage.

Workers comp for coating contractors covers chemical burns, dermatitis, respiratory injuries from VOC and solvent exposure, falls from scaffolding and lifts, and repetitive strain injuries from spray application work. Coating work typically falls into specific WC class codes — we make sure you are classified correctly to avoid audits and premium disputes.

Commercial GL does not cover your equipment — it only covers third-party claims. Your spray rigs, plural component systems, compressors, and surface preparation equipment need separate inland marine or tools and equipment coverage. A floater protects your equipment at job sites, in transit, and at your shop.

Most coating contractors carry $1M per occurrence / $2M aggregate GL limits at minimum. If you work on major industrial projects, project owners often require $2M to $5M per occurrence. Umbrella coverage provides the additional capacity without requiring primary limits that high.

Yes. Contractors Choice Agency holds licenses in all 50 states and writes industrial coating contractor insurance programs coast to coast. NPN 8608479.

We work with AM Best A+ rated specialty carriers with proven appetites for industrial coating contractor risks. Carrier selection depends on your specific operation, state, coating types, and project profile.

Contact us immediately at 844-967-5247. We provide 2-hour claims response during business hours and will guide you through the process of notifying your carrier and documenting the loss.

Yes. Monthly payment plans are available through most carriers and premium finance options. We can walk you through payment options when presenting your quote.

Yes. We can help manage certificates of insurance for your subcontractors and issue certificates to project owners and GCs as required by your contracts.

Founded in 2005 — over 20 years insuring specialty contractors. Industrial coating contractor programs have been a focus area since 2010.

Basic information: your business name, years in business, annual revenue, number of employees, states you work in, coating types, typical project types, and current coverage (if any). Claims history for the past 5 years is also helpful.

Yes, we insure coating contractors from startups to established multi-crew operations. New businesses may have fewer carrier options, but we can typically place coverage that meets your project requirements.

We are experienced with project-specific AI requirements — ISO CG 2010/2037, blanket AI, named AI with specific language. Tell us what your contract requires and we will confirm your policy meets those requirements before binding.

Yes. Multi-state operations are standard for us. Your GL policy typically covers you wherever you work. Workers comp requires separate policies for each state where you have employees — we coordinate multi-state workers comp programs.

844-967-5247, Monday through Friday 8am to 5pm Mountain Time.

12220 E Riggs Road, Suite #105, Chandler, AZ 85249. We serve clients nationwide by phone and online.

josh@contractorschoiceagency.com. We respond to quote requests within 15 minutes during business hours.

Yes. Submit the online quote form at industrialcoatinginsurance.com/quote and we will respond within 15 minutes during business hours. For fastest service, call 844-967-5247 directly.